Miami-Dade County property record for 7405 SW 109th Ter, Pinecrest, FL 33156
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,064 sqft · built 1969 |
| Lot Size | 0.526 acres (22,931 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $910,000 (Feb 2019) |
| Tax Bill | $15,299 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Aug 2021 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 20-5011-032-0120 |
| Primary APN | 20-5011-032-0120 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,064 sqft Living Area |
| Gross Area | 4,292 sqft |
| 1st Floor Area | 3,064 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block/Hollow Tile/Frame |
| Construction Type | Concrete Block |
| Lot Area | 22,931 sqft (0.526 acres) |
| Patio Area | 674 sqft |
| Street Address | 7405 SW 109TH TER |
|---|---|
| City | PINECREST |
| State | FL |
| Zip | 33156-3867 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 2100 |
| Legal Description | KENDALL PARK ESTATES 2ND ADDN PB 84-30 LOT 1 BLK 6 OR 13958-61 0189 1 F/A/U 30-5011-032-0120 |
| Legal Range | 40E |
| Legal Township | 55S |
| Legal Section | 11 |
| Legal Subdivision | KENDALL PARK ESTATES 2ND ADDN |
| Legal Block | 6 |
| Legal Lot Number | 1 |
| Jurisdiction | DADE FL |
| Township / Civil Division | KENDALL-PALMETTO BAY |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 7807 |
7405 SW 109th Ter is owned and occupied by two individuals who bought it in February 2019.
Source: Miami-Dade County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7405 SW 109TH TER, PINECREST, FL 33156-3867 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 19, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE |
| Aug 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 4, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC |
| Feb 20, 2019 | Warranty Deed, Transfer · ARM ANGEL OAK MORTGAGE SOLUTIONS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 20, 2019 · Amount on File |
| Deed Sale | Feb 20, 2019 · Amount on File |
| Prior Sale | Jul 31, 2011 · Amount on File |
| Deed Document Number | 2019106256 |
| Deed Book / Page | 31332 / 1541 |
| Prior Transfer Date | Aug 19, 2009 |
| Prior Transfer Doc | 0000669474 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Recording Date | May 19, 2026 |
| Property Address | 7405 SW 109TH TER, PINECREST, FL 33156-3867 |
| Document Number | 0000338452 |
| Book / Page | 35308 / 1739 |
| Instrument Date | May 6, 2026 |
| Instrument | 2026338452 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0000338452, |
|---|---|
| Date | May 19, 2026 |
| Book Page | 35308/1739 |
| Instrument | 2026338452 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 7405 SW 109TH TER, PINECREST, FL 33156-3867 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2021 |
| Name | Verified Name |
|---|---|
| Address | 7405 SW 109TH TER, PINECREST, FL 33156-3867 |
| Document Number | 0000609135 |
|---|---|
| Date | Aug 18, 2021 |
| Book Page | 32688/3360 |
| Instrument | 2021R0609135 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 7405 SW 109TH TER, PINECREST, FL 33156-3867 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000752598 |
|---|---|
| Date | Dec 4, 2019 |
| Book Page | 31712/2934 |
| Instrument | 2019R0752598 |
| Name | ANGEL OAK MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DADE FL |
| Recording Date | Feb 20, 2019 |
| Property Address | 7405 SW 109TH TER, PINECREST, FL 33156-3867 |
| Document Number | 0000106256 |
| Book / Page | 31332 / 1541 |
| Map Reference | MB 84 PG 30 |
| Instrument Date | Feb 7, 2019 |
| Instrument | 2019R0106256 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | BEST PRACTICES TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,460.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10063 SW 77TH CT, 10063, MIAMI, FL 33156-2679 |
| Name | Verified Name |
|---|---|
| Address | 7405 SW 109TH TER, PINECREST, FL 33156-3867 |
| Document Number | 0000106257 |
|---|---|
| Date | Feb 20, 2019 |
| Instrument | 2019R0106257 |
| Name | ANGEL OAK MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.62% |
| Type Change Date | Mar 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 5.62% |
| Max Rate At Change | 9.62% |
| Index | 1-Year LIBOR |
| Margin | 4 |
| Max Rate | 12.6% |
The 2025 property tax bill for 7405 SW 109th Ter was $15,299 with a homeowner's exemption.
Source: Miami-Dade County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Miami-Dade County |
| Municipality | Pinecrest Village |
| Unified School District | Dade County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $15,299.00 Homeowner's exemption | $856,546 | $1,659,324 Land $1,238,274 Building $421,050 |
| 2023 | $14,106.00 (+3.39%) Homeowner's exemption | $808,163 (+3%) | $1,297,020 (+29.86%) Land $868,965 Building $428,055 |
| 2022 | $13,644.00 Homeowner's exemption | $784,625 | $998,791 Land $643,034 Building $355,757 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7405 SW 109th Ter in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 285 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 291 units insured incl. 6 condo units |
| Nearby Flood Claims | 47 (1982–2011) |
| Claims Outside the SFHA | 3 of 47 |
| Most Recent Claim | Nov 2011 · other causes |
| Claims by Event |
|
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 risk around 7405 SW 109th Ter is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MDWASA - MAIN SYSTEM serves 2,377,460 people · EPA ID FL4130871 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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.
Source: FCC Broadband Data Collection, based on 266 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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