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409 E Cluster Ave, Tampa, FL 33604 Property Records

Hillsborough County property record for 409 E Cluster Ave, Tampa, FL 33604 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1.5 ba · 1,376 sqft · built 1967
Lot Size0.182 acres (7,904 sqft)
Owner2 Individual Names on File
Last Sale$365,000 (Apr 2025)
Tax Bill$6,600 (2025)
Deeds & MortgagesJun 2026 Mortgage
Apr 2025 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN161836-0000

Property Details

APN / Parcel Number

Primary APN161836-0000
Alternative APN
  • A2528184EA000004000010

Interior

Bedrooms2 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,376 sqft Living Area
Gross Area1,808 sqft
1st Floor Area1,136 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1967
Effective Year BuiltEffective 2007
Architectural StyleOld Style
Exterior MaterialBrick/Stone
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area7,904 sqft (0.182 acres)
Lot Dimensions141 ft deep x 55 ft wide
PorchFlorida Room
Porch Area432 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number1618360000
Street Address409 E CLUSTER AVE
CityTAMPA
StateFL
Zip33604-4825
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionVINE PARK LOT 1 AND N 1/2 CLOSED ALLEY ABUTTING ON S BLOCK 4
Legal Range18E
Legal Township28S
Legal Section25
Legal SubdivisionVINE PARK
Legal Tract4EA
Legal Block4
Legal Lot Number1
JurisdictionHILLSBOROUGH FL
Township / Civil DivisionTAMPA
Census Block Group2
Census Block2023
Census Tract1200

Owner

Source: Hillsborough County records · APN 161836-0000

Assessment roll updated January 21, 2026 · Last verified July 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 File
Mailing Address409 E CLUSTER AVE, TAMPA, FL 33604-4825
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jun 18, 2026Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Apr 25, 2025Warranty Deed, Transfer · Conventional Mortgage
MEGA CAPITAL FUNDING INC
Jul 05, 2022Warranty Deed, Transfer · FHA Mortgage
MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 25, 2025 · Amount on Record
Deed SaleApr 25, 2025 · Amount on Record
Prior SaleJul 05, 2022 · Amount on Record
Deed Document Number2025180817
Record UpdatedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHILLSBOROUGH FL
Recording DateJun 18, 2026
Property Address409 E CLUSTER AVE, TAMPA, FL 33604-4825
Document Number0000235444
Instrument DateJun 06, 2026
Instrument2026235444
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 E CLUSTER AVE, TAMPA, FL 33604-4825

Mortgage

Document Number0000235444,
DateJun 18, 2026
Instrument2026235444
Lender
NamePENNYMAC LOAN SERVICES LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2056
Interest
Rate TypeAdjustable Rate
Rate5.25%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

April 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateApr 25, 2025
Property Address409 E CLUSTER AVE, TAMPA, FL 33604-4825
Document Number0000180817
Map ReferenceMB 7 PG 27
Instrument DateApr 23, 2025
Instrument2025180817
Transaction TypeTransfer
Record UpdatedApr 02, 2026
Title CompanyMILESTONE TITLE SERVICES, MILESTONE TITLE SERVICES LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,555.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2235 15TH AVE N, SAINT PETERSBURG, FL 33713-5617

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address409 E CLUSTER AVE, TAMPA, FL 33604-4825

Mortgage

Document Number0000180818
DateApr 25, 2025
Instrument2025180818
Lender
NameMEGA CAPITAL FUNDING INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2055

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateJul 05, 2022
Property Address409 E CLUSTER AVE, TAMPA, FL 33604-4825
Document Number0000331070
Map ReferenceMB 7 PG 27
Instrument DateJun 15, 2022
Instrument2022331070
Transaction TypeTransfer
Record UpdatedJul 20, 2022
Title CompanyFLAGSHIP TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,485.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7364 SUGARBUSH DR, 7364, SPRING HILL, FL 34606-7016

Transferred To (Grantee/Buyer)

NameVerified Name
Address4818 W BAY VILLA AVE, TAMPA, FL 33611-1010

Mortgage

Document Number0000331071
DateJul 05, 2022
Instrument2022331071
Lender
NameMOVEMENT MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2052

Tax Assessment & Valuation

Source: Hillsborough County records · Assessment roll updated January 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyHillsborough County
MunicipalityTampa City
Unified School DistrictHillsborough County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$6,600.00 (+36.17%)$324,013 (+13.08%) Land $92,129 Building $231,884$324,013 (+13.08%) Land $92,129 Building $231,884
2023$4,847.00 (+48.14%) Homeowner's exemption$286,544 (+17.49%) Land $76,774 Building $209,770$286,544 (+17.49%) Land $76,774 Building $209,770
2022$3,272.00$243,881 Land $76,774 Building $167,107$243,881 Land $76,774 Building $167,107

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hillsborough County (12057C), updated September 28, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120570012002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 72 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies72 in force
Nearby Flood Claims25 (2004–2024)
Most Recent ClaimSep 2024, tidal / storm surge, Hurricane Helene
Claims By Storm
  • Hurricane Helene, Sep 2024 · 23 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 563 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber7,000 / 7,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

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