15917 Dover Cliffe Dr, Lutz, FL 33548 Property Records

Hillsborough County property record for 15917 Dover Cliffe Dr, Lutz, FL 33548

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,229 sqft · built 1982
Lot Size	0.473 acres (20,598 sqft)
Owner	Individual Name on Record
Last Sale	$480,000 (Oct 2025)
Tax Bill	$3,489 (2025)
Deeds & Mortgages	May 2026 Mortgage Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`017356-1066`

Property Details

APN / Parcel Number

Primary APN	`017356-1066`
Alternative APN	`U3627180SN000002000090`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,229 sqft Living Area
Gross Area	2,949 sqft
1st Floor Area	1,248 sqft
Upper Floors Area	981 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2004
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	20,598 sqft (0.473 acres)
Lot Dimensions	170 ft deep x 92 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	260 sqft
Patio Area	214 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0173561066
Street Address	15917 DOVER CLIFFE DR
City	LUTZ
State	FL
Zip	33548-6197
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC-4
Legal Description	FAIRCLOTH ESTATES LOT 9 BLOCK 2
Legal Range	18E
Legal Township	27S
Legal Section	36
Legal Subdivision	FAIRCLOTH ESTATES
Legal Tract	SN
Legal Block	2
Legal Lot Number	9
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	TAMPA
Census Block Group	3
Census Block	3025
Census Tract	11107

Owner

Source: Hillsborough County records, as of September 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	15917 DOVER CLIFFE DR, LUTZ, FL 33548-6197
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 30, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2025 · Amount on Record
Deed Sale	Oct 30, 2025 · Amount on Record
Deed Document Number	2025466196
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Recording Date	May 22, 2026
Property Address	15917 DOVER CLIFFE DR, LUTZ, FL 33548-6197
Document Number	0000198621
Instrument Date	May 18, 2026
Instrument	2026198621
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15917 DOVER CLIFFE DR, LUTZ, FL 33548-6197

Mortgage

Document Number	0000198621,
Date	May 22, 2026
Instrument	2026198621

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Oct 30, 2025
Property Address	15917 DOVER CLIFFE DR, LUTZ, FL 33548-6197
Document Number	0000466196
Map Reference	MB 49 PG 26
Instrument Date	Oct 27, 2025
Instrument	2025466196
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	TALON TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3729 WINWARD LAKES DR, TAMPA, FL 33611-4819

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15917 DOVER CLIFFE DR, LUTZ, FL 33548-6197

Mortgage

Document Number	0000466197
Date	Oct 30, 2025
Instrument	2025466197

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

Source: Hillsborough County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Hillsborough County
Unified School District	Hillsborough County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$416,736 (+102.92%) Land $123,869 Building $292,867	$416,736 (+2.7%) Land $123,869 Building $292,867
2025	$3,489.00 (+9.34%) Homeowner's exemption Widower's exemption	$205,369 (+2.9%)	$405,764 (+3.97%) Land $108,385 Building $297,379
2024	$3,191.00 (+0.98%) Homeowner's exemption Widower's exemption	$199,581 (+3%)	$390,281 (-1.26%) Land $92,902 Building $297,379
2023	$3,160.00 (+5.47%) Homeowner's exemption	$193,768 (+3%)	$395,251 (+4.22%) Land $85,160 Building $310,091
2022	$2,996.00 Homeowner's exemption	$188,124	$379,256 Land $77,418 Building $301,838

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 92 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	92 in force
Nearby Flood Claims	28 (1979–2024)
Claims Outside the SFHA	7 of 28
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 6 claims Hurricane Irma, Sep 2017 · 2 claims Severe Storms, High Winds, Tornadoes, And Flooding, Feb 1998 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HCWRC/NORTHWEST UTILITIES serves 208,982 people · EPA ID FL6290388
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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