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1981 Wilmington St, Opa Locka, FL 33054 Property Records

Miami-Dade County property record for 1981 Wilmington St, Opa Locka, FL 33054

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 594 sqft · built 1950
Lot Size0.115 acres (5,000 sqft)
Owner2 Individual Names on Record
Last Sale$100,000 (Apr 2020)
Tax Bill$2,461 (2025)
Deeds & MortgagesMay 2023 Mortgage
Jan 2022 Mortgage
+ 1 more
Flood ZoneZone X (moderate risk)
APN08-2122-006-0860

Property Details

APN / Parcel Number

Primary APN08-2122-006-0860

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area594 sqft Living Area
Gross Area769 sqft
1st Floor Area594 sqft

Exterior

Year BuiltBuilt 1950
Effective Year BuiltEffective 1950
Exterior MaterialConcrete Block/Hollow Tile/Frame
Construction TypeConcrete Block
Lot Area5,000 sqft (0.115 acres)
Lot Dimensions100 ft deep x 50 ft wide
PorchPorch
Porch Area47 sqft

Location & Zoning

Street Address1981 WILMINGTON ST
CityOPA LOCKA
StateFL
Zip33054-3761
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code0100
Legal DescriptionMAGNOLIA GARDENS CONSOLIDATED PB 49-54 LOT 42BLK 338 LOT SIZE 50.000 X 100 OR 21291-3520 05 2003 5
Legal Range41E
Legal Township52S
Legal Section22
Legal SubdivisionMAGNOLIA GARDENS CONSOLIDATED
Legal Block338
Legal Lot Number42
JurisdictionDADE FL
Township / Civil DivisionMIAMI
Census Block Group2
Census Block2014
Census Tract418

Owner

Source: Miami-Dade County records, as of October 21, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address1981 WILMINGTON ST, OPA LOCKA, FL 33054-3761
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
May 31, 2023Deed of Trust, Mortgage · VA Mortgage
NEW DAY FINANCIAL LLC
Jan 6, 2022Deed of Trust, Mortgage · VA Mortgage
WINTRUST MORTGAGE
Apr 6, 2020Warranty Deed, Transfer · VA Mortgage
WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 6, 2020 · Amount on Record
Deed SaleApr 6, 2020 · Amount on Record
Prior SaleNov 4, 2010 · Amount on Record
Deed Document Number2020208694
Deed Book / Page31883 / 2997
Prior Transfer DateJul 30, 2010
Prior Transfer Doc0000526125
Record UpdatedOct 29, 2026

May 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDADE FL
Property Address1981 WILMINGTON ST, OPA LOCKA, FL 33054-3761
Transaction TypeMortgage
Record UpdatedSep 13, 2023
Title CompanyTWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address1981 WILMINGTON ST, OPA LOCKA, FL 33054-3761

Mortgage

Document Number0000362623
DateMay 31, 2023
Book Page33727/143
Instrument2023R0362623
Lender
NameNEW DAY FINANCIAL LLC
TypeMortgage Company
AddressFULTON, MD 20759
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2053

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDADE FL
Property Address1981 WILMINGTON ST, OPA LOCKA, FL 33054-3761
Transaction TypeMortgage
Record UpdatedSep 13, 2023
Title CompanyELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000013181
DateJan 6, 2022
Book Page32942/4260
Instrument2022R0013181
Lender
NameWINTRUST MORTGAGE
TypeMortgage Company
AddressDES PLAINES, IL 60018
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2052

April 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDADE FL
Recording DateApr 6, 2020
Property Address1981 WILMINGTON ST, OPA LOCKA, FL 33054-3761
Document Number0000208694
Book / Page31883 / 2997
Map ReferenceMB 49 PG 54
Instrument DateMar 27, 2020
Instrument2020R0208694
Transaction TypeTransfer
Record UpdatedJul 29, 2022
Title CompanyMODEL CITY TITLE AGENCY INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$600.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address490 OPA LOCKA BLVD STE 20, 490, OPA LOCKA, FL 33054-3563

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address1981 WILMINGTON ST, OPA LOCKA, FL 33054-3761

Mortgage

Document Number0000002999
DateApr 6, 2020
Instrument31883/2999
Lender
NameWINTRUST MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2050

Tax Assessment & Valuation

Source: Miami-Dade County assessment roll, as of October 21, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMiami-Dade County
MunicipalityOpa-locka City
Unified School DistrictDade County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,461.00 (+12.17%) Homeowner's exemption$113,413 (+5.99%)$234,871 (+45.03%) Land $155,000 Building $79,871
2023$2,194.00 (+5.63%) Homeowner's exemption$107,007 (+3%)$161,950 (+12.11%) Land $97,500 Building $64,450
2022$2,077.00 Homeowner's exemption$103,891$144,450 Land $80,000 Building $64,450

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 January 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 78 policies
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies78 in force
Nearby Flood Claims2 (2017)
Most Recent ClaimOct 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.

Wildfire

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

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCITY OF OPA LOCKA
serves 16,479 people · EPA ID FL4131001
Water SourceGroundwater
Last State InspectionMay 2023
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting10
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 538 locations within half a mile, as of December 31, 2025

ProviderMax 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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