6966 Towering Spruce Dr, Riverview, FL 33578 Property Records

Hillsborough County property record for 6966 Towering Spruce Dr, Riverview, FL 33578

Property Summary

Property Type	Townhouse
Details	2 bd · 3 ba · 1,240 sqft · built 2008
Lot Size	0.025 acres (1,106 sqft)
Owner	Individual Name on Record
Last Sale	$117,600 (Feb 2009)
Tax Bill	$4,397 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`076151-1450`

Property Details

APN / Parcel Number

Primary APN	`076151-1450`
Alternative APN	`U1830209CO000039000030`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,240 sqft Living Area
Gross Area	1,384 sqft
1st Floor Area	548 sqft
2nd Floor Area	1,096 sqft
Upper Floors Area	144 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2016
Architectural Style	Townhouse
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	1,106 sqft (0.025 acres)
Porch	Open Porch
Porch Area	119 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0761511450
Street Address	6966 TOWERING SPRUCE DR
City	RIVERVIEW
State	FL
Zip	33578-8865
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PD
Legal Description	OAK CREEK PARCEL 2 UNIT 2A LOT 3 BLOCK 39
Legal Range	20E
Legal Township	30S
Legal Section	18
Legal Subdivision	OAK CREEK PARCEL 2 UNIT 2A
Legal Tract	9CO
Legal Block	39
Legal Lot Number	3
Legal Unit	2A
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	PALM RIVER-GIBSONTON
Census Block Group	3
Census Block	3023
Census Tract	13702

Owner

Source: Hillsborough County records, as of September 30, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1006 WILDWOOD LN, VALRICO, FL 33594-6648
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2009 · Amount on Record
Deed Sale	Feb 25, 2009 · Amount on Record
Deed Document Number	200962683
Deed Book / Page	19117 / 738
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	6966 TOWERING SPRUCE DR, RIVERVIEW, FL 33578-8865
Transaction Type	Mortgage
Record Updated	Jan 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8733 ROOKS PARK CIR 232, 232, TAMPA, FL 33619-6683

Mortgage

Document Number	0000008270
Date	Jan 9, 2023
Instrument	2023008270

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jan 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$166,530 (-8.84%) Land $16,609 Building $149,921	$166,530 (-8.84%) Land $16,609 Building $149,921
2025	$4,397.00 (+158.19%)	$182,673 (+131.12%) Land $18,224 Building $164,449	$182,673 (+5.89%) Land $18,224 Building $164,449
2023	$1,703.00 (+2.22%) Homeowner's exemption	$79,037 (+3%)	$172,514 (+10.44%) Land $17,210 Building $155,304
2022	$1,666.00 Homeowner's exemption	$76,735	$156,204 Land $15,579 Building $140,625

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 208 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	208 in force
Nearby Flood Claims	27 (2008–2024)
Claims Outside the SFHA	15 of 27
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 13 claims Hurricane Helene, Sep 2024 · 2 claims Hurricane Eta, Nov 2020 · 2 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HCWRD/SOUTH-CENTRAL serves 515,012 people · EPA ID FL6290787
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023) 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 289 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
T-Mobile Fixed Wireless	100 / 20