3228 W 97th Ter, Hialeah, FL 33018 Property Records

Miami-Dade County property record for 3228 W 97th Ter, Hialeah, FL 33018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,025 sqft · built 2016
Lot Size	0.079 acres (3,420 sqft)
Owner	2 Individual Names on Record
Last Sale	$369,400 (Dec 2016)
Tax Bill	$8,728 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Jan 2018 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`04-2021-031-2760`

Property Details

APN / Parcel Number

Primary APN	`04-2021-031-2760`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,025 sqft Living Area
Gross Area	2,632 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Concrete Block/Stucco
Roof Type	Rigid Frame Bar Joist
Lot Area	3,420 sqft (0.079 acres)
Patio Area	170 sqft

Location & Zoning

Street Address	3228 W 97TH TER
City	HIALEAH
State	FL
Zip	33018-2043
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	8000
Legal Description	BONTERRA PB 171-064 T-23557 LOT15 BLK 12 LOT SIZE 3420SQ FT M/L FAU 04 2021 001 0175
Legal Range	40E
Legal Township	52S
Legal Section	21
Legal Subdivision	BONTERRA
Legal Block	12
Legal Lot Number	15
Jurisdiction	DADE FL
Township / Civil Division	HIALEAH
Census Block Group	1
Census Block	1032
Census Tract	12701

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 Record	2 Individual Names on Record
Mailing Address	3228 W 97TH TER, HIALEAH, FL 33018-2043
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2025	Deed of Trust, Mortgage · Line of Credit LOAN FACTORY INC
Jan 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Dec 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2016 · Amount on Record
Deed Sale	Dec 20, 2016 · Amount on Record
Deed Document Number	2016731034
Deed Book / Page	30353 / 3299
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	3228 W 97TH TER, HIALEAH, FL 33018-2043
Transaction Type	Mortgage
Record Updated	Sep 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3228W W 97TH TER, HIALEAH, FL 33018-2043
Investor	Possibly a Property Investor

Mortgage

Document Number	0000686833
Date	Sep 10, 2025
Book Page	34933/4002
Instrument	2025R0686833

Lender

Name	LOAN FACTORY INC
Type	Mortgage Company
Address	SAN JOSE, CA 95122

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	3228 W 97TH TER, HIALEAH, FL 33018-2043
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037314
Date	Jan 18, 2018
Book Page	30833/0776
Instrument	2018R0037314

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	3228 W 97TH TER, HIALEAH, FL 33018-2043
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3228 W 97TH TER, HIALEAH, FL 33018-2043

Mortgage

Document Number	0000745167
Date	Dec 24, 2020
Book Page	32256/4235
Instrument	2020R0745167

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Miami-Dade County
Municipality	Hialeah City
Unified School District	Dade County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,728.00 (+2.79%) Homeowner's exemption	$331,027 (+5.99%)	$513,454 (+6.31%) Land $171,000 Building $342,454
2024	$8,491.00 (+2.8%)
2023	$8,260.00 (+2.18%) Homeowner's exemption	$312,329 (+3%)	$482,991 (+13.69%) Land $164,160 Building $318,831
2022	$8,084.00 Homeowner's exemption	$303,233	$424,822 Land $102,600 Building $322,222

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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 2,372 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2,372 in force
Nearby Flood Claims	10 (2017–2025)
Most Recent Claim	Mar 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 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 HIALEAH serves 238,000 people · EPA ID FL4130604
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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	12 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 699 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	1,000 / 75

May also be available: Xfinity.

Nearby Properties on W 97th Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures