Miami-Dade County property record for 1860 Rutland St, Opa Locka, FL 33054
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,256 sqft · built 1950 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $109,000 (Sep 2013) |
| Tax Bill | $8,209 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Oct 2020 Loan Modification |
| Flood Zone | Zone AE (high risk) |
| APN | 08-2122-006-0600 |
| Primary APN | 08-2122-006-0600 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,256 sqft Living Area |
| Gross Area | 1,948 sqft |
| 1st Floor Area | 1,256 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Type | Carport |
| Garage Area | 200 sqft |
| Carport | Carport |
| Carport Area | 200 sqft |
| Porch | Slab |
| Porch Area | 259 sqft |
| Street Address | 1860 RUTLAND ST |
|---|---|
| City | OPA LOCKA |
| State | FL |
| Zip | 33054-3739 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 0100 |
| Legal Description | MAGNOLIA GARDENS CONSOLIDATED PB 49-54 LOT 16BLK 338 LOT SIZE 50.000 X 100 OR 12701-1546 1185 4 |
| Legal Range | 41E |
| Legal Township | 52S |
| Legal Section | 22 |
| Legal Subdivision | MAGNOLIA GARDENS CONSOLIDATED |
| Legal Block | 338 |
| Legal Lot Number | 16 |
| Jurisdiction | DADE FL |
| Township / Civil Division | MIAMI |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 418 |
Source: Miami-Dade County records, as of August 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1860 RUTLAND ST, OPA LOCKA, FL 33054-3739 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 11, 2024 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 16, 2020 | Loan Modification, Mortgage · Conventional Mortgage PENNYMAC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2013 · Amount on Record |
| Deed Sale | Sep 30, 2013 · Amount on Record |
| Prior Sale | May 6, 2013 · Amount on Record |
| Deed Book / Page | 28857 / 2577 |
| Prior Transfer Date | Dec 16, 2008 |
| Prior Transfer Doc | 0000139018 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 1860 RUTLAND ST, OPA LOCKA, FL 33054-3739 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1860 RUTLAND ST, OPA LOCKA, FL 33054-3739 |
| Document Number | 0000034312 |
|---|---|
| Date | Jan 11, 2024 |
| Book Page | 34050/2840 |
| Instrument | 2024R0034312 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 321 Months |
| Due | Oct 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 1860 RUTLAND ST, OPA LOCKA, FL 33054-3739 |
| Document Number | 0000688030 |
| Instrument Date | Oct 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1860 RUTLAND ST OPA LOCKA FL 330543739, OPA LOCKA, FL 33054-3739 |
| Document Number | 0000688030 |
|---|---|
| Date | Dec 1, 2020 |
| Book Page | 032216/003163 |
| Instrument | 688030 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 30, 2050 |
| Rate | 3.12% |
|---|
Source: Miami-Dade County assessment roll, as of July 21, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Miami-Dade County |
| Municipality | Opa-locka City |
| Unified School District | Dade County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,209.00 (+5.04%) Homeowner's exemption | $251,350 (+5.99%) | $336,437 (+36.43%) Land $155,000 Building $181,437 |
| 2023 | $7,815.00 (+2.92%) Homeowner's exemption | $237,153 (+3%) | $246,609 (+7.11%) Land $97,500 Building $149,109 |
| 2022 | $7,593.00 | $230,246 Land $80,000 Building $150,246 | $230,246 Land $80,000 Building $150,246 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 78 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 78 in force |
| Nearby Flood Claims | 2 (2017) |
| Most Recent Claim | Oct 2017 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF OPA LOCKA serves 16,479 people · EPA ID FL4131001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 10 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.
Source: FCC Broadband Data Collection, based on 538 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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