15928 Dover Cliffe Dr, Lutz, FL 33548 Property Records

Hillsborough County property record for 15928 Dover Cliffe Dr, Lutz, FL 33548

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,550 sqft · built 1979
Lot Size	0.309 acres (13,466 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Jul 2018)
Tax Bill	$5,524 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`017356-1100`

Property Details

APN / Parcel Number

Primary APN	`017356-1100`
Alternative APN	`U3627180SN000003000100`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,550 sqft Living Area
Gross Area	3,865 sqft
1st Floor Area	2,550 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2011
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,466 sqft (0.309 acres)
Lot Dimensions	148 ft deep x 92 ft wide
Garage Type	Attached
Garage Area	583 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	760 sqft
Porch	Open Porch
Porch Area	732 sqft
Deck Area	Deck Area
Patio Area	125 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0173561100
Street Address	15928 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 10 BLOCK 3
Legal Range	18E
Legal Township	27S
Legal Section	36
Legal Subdivision	FAIRCLOTH ESTATES
Legal Tract	SN
Legal Block	3
Legal Lot Number	10
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	TAMPA
Census Block Group	3
Census Block	3019
Census Tract	11107

Owner

15928 Dover Cliffe Dr is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	15928 DOVER CLIFFE DR, LUTZ, FL 33548-6122
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage TAMPA BAY FCU
Mar 26, 2020	Deed of Trust, Mortgage · Conventional with PMI NFM LNDG
Jul 25, 2018	Warranty Deed, Transfer · Conventional with PMI NFM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2018 · Amount on File
Deed Sale	Jul 25, 2018 · Amount on File
Prior Sale	Aug 29, 2013 · Amount on File
Deed Document Number	2018297029
Deed Book / Page	25941 / 268
Prior Transfer Date	Feb 6, 2013
Prior Transfer Doc	0000054696
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	15928 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	0247050663
Date	Feb 2, 2017
Book Page	24705/0663
Instrument	2017043181

Lender

Name	TAMPA BAY FCU
Type	Credit Union
Address	TAMPA, FL 33603

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2032

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	15928 DOVER CLIFFE DR, LUTZ, FL 33548-6122
Document Number	0000156610
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2020
Title Company	BROKERS TITLE/TAMPA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15928 DOVER CLIFFE DR LUTZ FL 335486122, LUTZ, FL 33548-6122

Mortgage

Document Number	0000156610
Date	Apr 13, 2020
Instrument	156610

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 12, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jul 25, 2018
Property Address	15928 DOVER CLIFFE DR, LUTZ, FL 33548-6122
Document Number	0259410268
Book / Page	025941 / 000268
Instrument Date	Jul 17, 2018
Instrument	297029
Transaction Type	Transfer
Record Updated	Aug 13, 2018
Title Company	BROKERS TITLE/TAMPA LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15928 DOVER CLIFFE DR LUTZ FL 335486122, LUTZ, FL 33548-6122

Mortgage

Document Number	259410269
Date	Jul 25, 2018
Book Page	025941/000269
Instrument	297030

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 24, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 15928 Dover Cliffe Dr was $5,524 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		$311,641 (+2.7%)	$523,676 (+0.5%) Land $110,017 Building $413,659
2025	$5,524.00 Homeowner's exemption	$303,448	$521,076 Land $96,265 Building $424,811
2023	$4,898.00 (+4.59%) Homeowner's exemption	$286,307 (+3%)	$511,821 (+0.32%) Land $75,637 Building $436,184
2022	$4,683.00 Homeowner's exemption	$277,968	$510,163 Land $68,761 Building $441,402

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

Flood

FEMA maps place 15928 Dover Cliffe Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
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 15928 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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