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6986 Towering Spruce Dr, Riverview, FL 33578 Property Records

Hillsborough County property record for 6986 Towering Spruce Dr, Riverview, FL 33578 · Last verified December 2025

Property Summary

Property TypeTownhouse
Details2 bd · 3 ba · 1,120 sqft · built 2008
OwnerIndividual Name on File
Last Sale$155,000 (Aug 2020)
Tax Bill$2,879 (2025)
Deeds & MortgagesAug 2020 Sale & Mortgage
Jan 2019 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN0761511468

Property Details

APN / Parcel Number

Primary APN0761511468
Alternative APN
  • U1830209CO000040000040

Interior

Bedrooms2 Beds
Full Baths3 Baths
Stories2 Stories
Building Area1,120 sqft Heated Area
1st Floor Area560 sqft
2nd Floor Area1,120 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2008
Effective Year BuiltEffective 2016
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
PorchOpen Porch
Porch Area67 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number0761511468
Street Address6986 TOWERING SPRUCE DR
CityRIVERVIEW
StateFL
Zip33578-8865
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionOAK CREEK PARCEL 2 UNIT 2A LOT 4 BLOCK 40
Legal Range20E
Legal Township30S
Legal Section18
Legal SubdivisionOAK CREEK PARCEL 2 UNIT 2A
Legal Block40
Legal Lot Number4
Legal Unit2A
JurisdictionHILLSBOROUGH FL
Township / Civil DivisionPALM RIVER-GIBSONTON
Census Block Group3
Census Block3023
Census Tract13702

Owner

Source: Hillsborough County records · APN 0761511468

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Mailing Address6986 TOWERING SPRUCE DR, RIVERVIEW, FL 33578-8865
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 12, 2020Warranty Deed, Transfer · FHA Mortgage
GERSHMAN INVESTMENT CORP
Jan 03, 2019Warranty Deed, Transfer · Conventional with PMI
GUARANTEED RATE
Nov 02, 2018Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 12, 2020 · Amount on Record
Deed SaleAug 12, 2020 · Amount on Record
Prior SaleJan 03, 2019 · Amount on Record
Deed Document Number2020327474
Record UpdatedJun 08, 2026

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateAug 12, 2020
Property Address6986 TOWERING SPRUCE DR, RIVERVIEW, FL 33578-8865
Document Number0000327474
Map ReferenceMB 113 PG 246-258
Instrument DateAug 06, 2020
Instrument2020327474
Transaction TypeTransfer
Record UpdatedJul 12, 2022
Title CompanyHILLSBOROUGH TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,085.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6986 TOWERING SPRUCE DR, RIVERVIEW, FL 33578-8865

Mortgage

Document Number0000327475
DateAug 12, 2020
Instrument2020327475
Lender
NameGERSHMAN INVESTMENT CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded

January 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateJan 03, 2019
Property Address6986 TOWERING SPRUCE DR, RIVERVIEW, FL 33578-8865
Document Number0263090588
Book / Page026309 / 000588
Instrument DateDec 27, 2018
Instrument3931
Transaction TypeTransfer
Record UpdatedJan 30, 2019
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,015.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6986 TOWERING SPRUCE DR RIVERVIEW FL 335788865, RIVERVIEW, FL 33578-8865

Mortgage

Document Number263090590
DateJan 03, 2019
Book Page026309/000590
Instrument3932
Lender
NameGUARANTEED RATE
AddressCHICAGO, IL 60613
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJan 02, 2049

November 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateNov 02, 2018
Property Address6986 TOWERING SPRUCE DR, RIVERVIEW, FL 33578-8865
Document Number0261810955
Book / Page026181 / 000955
Instrument DateOct 26, 2018
Instrument445469
Transaction TypeTransfer
Record UpdatedNov 28, 2018

Transaction

AmountAmount Recorded
Tax$934.53
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2212 E WILLIAMS FIELD ROAD 11 #2 GILBERT AZ 85295, 2, GILBERT, AZ 85295
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Hillsborough County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHillsborough County
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$2,879.00 (+8.76%) Homeowner's exemption$141,299 (+5.99%)$190,033 (+5.31%) Land $18,979 Building $171,054
2023$2,647.00 (+2.24%) Homeowner's exemption$133,317 (+3%)$180,456 (+10.47%) Land $18,023 Building $162,433
2022$2,589.00 Homeowner's exemption$129,434$163,349 Land $16,312 Building $147,037

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 120570137023, 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
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 208 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies208 in force
Nearby Flood Claims27 (2008–2024)
Claims Outside the SFHA15 of 27
Most Recent ClaimOct 2024, rainfall accumulation, Hurricane Milton
Claims By Storm
  • Hurricane Milton, Oct 2024 · 13 claims
  • Hurricane Helene, Sep 2024 · 2 claims
  • Hurricane Eta, Nov 2020 · 2 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 586 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber7,000 / 7,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

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

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