15920 Dover Cliffe Dr, Lutz, FL 33548 Property Records

Hillsborough County property record for 15920 Dover Cliffe Dr, Lutz, FL 33548

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,682 sqft · built 1979
Lot Size	0.467 acres (20,341 sqft)
Owner	2 Trust Names on File
Tax Bill	$4,239 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jun 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`017356-1094`

Property Details

APN / Parcel Number

Primary APN	`017356-1094`
Alternative APN	`U3627180SN000003000070`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,682 sqft Living Area
Gross Area	3,378 sqft
1st Floor Area	640 sqft
2nd Floor Area	1,968 sqft
Upper Floors Area	74 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2002
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	20,341 sqft (0.467 acres)
Lot Dimensions	143 ft deep x 97 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	613 sqft
Porch	Open Porch
Porch Area	96 sqft
Deck Area	Deck Area
Patio Area	637 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0173561094
Street Address	15920 DOVER CLIFFE DR
City	LUTZ
State	FL
Zip	33548-6122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC-4
Legal Description	FAIRCLOTH ESTATES LOT 7 BLOCK 3
Legal Range	18E
Legal Township	27S
Legal Section	36
Legal Subdivision	FAIRCLOTH ESTATES
Legal Tract	SN
Legal Block	3
Legal Lot Number	7
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	TAMPA
Census Block Group	3
Census Block	3019
Census Tract	11107

Owner

15920 Dover Cliffe Dr is owner-occupied and held in a trust since January 2025.

Source: Hillsborough County records, as of September 29, 2026

Owner of Record	2 Trust Names on File
Mailing Address	15920 DOVER CLIFFE DR, LUTZ, FL 33548-6122
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 22, 2018	Deed of Trust, Mortgage · Line of Credit REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 2, 2025
Transfer Doc	0000299844
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	15920 DOVER CLIFFE DR, LUTZ, FL 33548-6122
Transaction Type	Mortgage
Record Updated	Feb 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15920 DOVER CLIFFE DR, LUTZ, FL 33548-6122

Mortgage

Document Number	0000032987
Date	Jan 19, 2022
Instrument	2022032987

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	15920 DOVER CLIFFE DR, LUTZ, FL 33548-6122
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0258631578
Date	Jun 22, 2018
Book Page	25863/1578
Instrument	2018250084

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 11, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 15920 Dover Cliffe Dr was $4,239 with a homeowner's exemption.

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		$247,041 (+2.7%)	$445,916 (+2.07%) Land $112,078 Building $333,838
2025	$4,239.00 Homeowner's exemption Widower's exemption	$240,546	$436,882 Land $98,068 Building $338,814
2023	$3,733.00 (+3.06%) Homeowner's exemption Widower's exemption	$226,958 (+3%)	$438,387 (+4.98%) Land $77,053 Building $361,334
2022	$3,622.00 Homeowner's exemption Widower's exemption	$220,348	$417,597 Land $70,049 Building $347,548

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 15920 Dover Cliffe Dr in Zone X, an area of minimal flood risk, though there have been 28 flood claims nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 15920 Dover Cliffe Dr is low, with a 0.02% annual chance of 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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