1604 E Waters Ave, Tampa, FL 33604 Property Records

Hillsborough County property record for 1604 E Waters Ave, Tampa, FL 33604

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,996 sqft · built 1981
Lot Size	0.125 acres (5,428 sqft)
Owner	Individual Name on Record
Last Sale	$385,000 (Apr 2026)
Tax Bill	$4,393 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`145669-0000`

Property Details

APN / Parcel Number

Primary APN	`145669-0000`
Alternative APN	`A19281945B000000002490`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,996 sqft Living Area
Gross Area	2,288 sqft
1st Floor Area	140 sqft
2nd Floor Area	1,856 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2012
Architectural Style	Mansion
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,428 sqft (0.125 acres)
Lot Dimensions	105 ft deep x 52 ft wide
Porch	Screened Porch
Porch Area	292 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1456690000
Street Address	1604 E WATERS AVE
City	TAMPA
State	FL
Zip	33604-3469
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-50
Legal Description	OAK TERRACE REVISED PLAT OF LOTS 249 AND 250 & S 1/2 CLOSED ALLEY ABUTTING THEREON
Legal Range	19E
Legal Township	28S
Legal Section	19
Legal Subdivision	OAK TERRACE REVISED PLAT OF
Legal Tract	45B
Legal Lot Number	249
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	TAMPA
Census Block Group	1
Census Block	1020
Census Tract	701

Owner

Source: Hillsborough County records, as of October 1, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1604 E WATERS AVE, TAMPA, FL 33604-3469
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2021	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Feb 8, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage POINT DIGITAL FINANCE INC
Apr 22, 2026	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2026 · Amount on Record
Deed Sale	Apr 22, 2026 · Amount on Record
Prior Sale	Mar 3, 2016 · Amount on Record
Deed Document Number	2026154374
Prior Transfer Date	Aug 6, 2013
Prior Transfer Doc	0000303627
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	1604 E WATERS AVE, TAMPA, FL 33604-3469
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1604 E WATERS AVE, TAMPA, FL 33604-3469

Mortgage

Document Number	0000348224
Date	Jul 12, 2021
Instrument	2021348224

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	1604 E WATERS AVE, TAMPA, FL 33604-3469
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1604 E WATERS AVE, TAMPA, FL 33604-3469

Mortgage

Document Number	0000070110
Date	Feb 8, 2022
Instrument	2022070110

Lender

Name	POINT DIGITAL FINANCE INC
Type	Mortgage Company
Address	PALO ALTO, CA 94302

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 27, 2052

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Apr 22, 2026
Property Address	1604 E WATERS AVE, TAMPA, FL 33604-3469
Document Number	0000154374
Instrument Date	Apr 7, 2026
Instrument	2026.154374
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$272,195.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1604 E WATERS AVE, TAMPA, FL 33604-3469

Mortgage

Document Number	0000154375,
Date	Apr 22, 2026
Instrument	2026..154375

Lender

Name	AMERICAN FINANCIAL SERVICES INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$260,795 (+0.83%) Land $49,140 Building $211,655	$260,795 (+0.83%) Land $49,140 Building $211,655
2025	$4,393.00 (-0.39%) Homeowner's exemption	$258,639 (+0.08%) Land $43,680 Building $214,959	$258,639 (+0.08%) Land $43,680 Building $214,959
2024	$4,410.00 (+5.63%)
2023	$4,175.00 (+10.71%)	$258,427 (+15.25%) Land $40,950 Building $217,477	$258,427 (+15.25%) Land $40,950 Building $217,477
2022	$3,771.00	$224,231 Land $40,950 Building $183,281	$224,231 Land $40,950 Building $183,281

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

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force

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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	0.01% 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	CITY OF TAMPA WATER DEPARTMENT serves 733,886 people · EPA ID FL6290327
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 707 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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