12681 SW 38 TER, Kendall, FL 33175

Parcel: 3049130220020 · Residential - Single Family · 1 Unit · Zoning: 0100

Assessed Value (2025)
$520,389

Property Details

Beds
3
Baths
2
Living Sqft
2,033
Year Built
1985
Lot Sqft
7,366
Stories
1
RESIDENTIAL - SINGLE FAMILY : 1 UNIT

Sales History

1
$100non-market transfer
2020-02-12
SANDRA PICOSANDRA PICO
2
$100non-market transfer
2020-02-18
SANDRA PICOSANDRA PICO TRS
3
$480,000
2021-05-24
SANDRA PICO TRS ROSANA RUANO BORGES

Tax Assessment History

$520,389
Assessed (2025)
$587,832
Market Value
$469,667
Taxable Value
$9,562
Annual Tax
2024
$505,724
$576,597
2025
$520,389
$587,832
Assessed Market
View detailed table
YearAssessedMarketTaxableTax
2025 $520,389 $587,832 $469,667 $9,562
2024 $505,724 $576,597 $455,724 $9,278

About 12681 SW 38 TER, Kendall, FL 33175

12681 SW 38 TER, Kendall, FL 33175 is a 3-bedroom, 2-bathroom residential - single family : 1 unit built in 1985 with 2,033 square feet of living space on a 7,366 square foot lot. The property is currently owned by ROSANA RUANO BORGES, recorded as of 2026-03-29. The owner appears to be owner-occupied based on the mailing address matching the property address.

The most recent sale was on 2021-05-24 for $480,000, when SANDRA PICO TRS sold to ROSANA RUANO BORGES. The property has appreciated $479,900 (479900%) since the prior sale of $100 on 2020-02-18. There are 3 recorded sales for this property.

The 2025 assessed value is $520,389 with a market value of $587,832. This breaks down to $309,372 for the land and $278,460 for the building. The assessed value increased 3% from $505,724 in 2024.

The property has the following tax exemptions: homestead. The median household income in this area is $79,125, and the median home value is $474,400. The population density is 6,101 people per square mile.

There are active mortgage liens totaling $424,996 recorded against this property. 12681 SW 38 TER, Kendall, FL 33175 is located in Kendall, Florida. Property records, tax assessments, sales history, and ownership information for this Kendall property are sourced from miami_dade County public records.

The complete ownership history of this property spans from 2020 to 2021, with 3 recorded transactions in the public record. The current assessed value represents 108% of the most recent sale price. Based on the most recent sale, this property traded at $236 per square foot — a key metric for comparing value across Kendall's real estate market..

Building Permits (1)

Permit #TypeStatusCost
C2026033739 building F $27,000

Current Owner

ROSANA RUANO BORGES
12681 SW 38 TER, MIAMI, FL, 33175
Since: 2026-03-29
View owner profile →

Est. Annual Insurance

$5,603 — $10,167
Flood $400 — $800
Property/Wind $5,203 — $9,367

Estimate based on FEMA flood zone, property value, and year built. Actual premiums vary based on elevation, mitigation features, roof condition, and insurer. Not a quote.

Neighborhood

Median Income$79,125
Median Home Value$474,400
Pop. Density6,101/sq mi

Neighborhood 12681

100%
Owner-Occ
0%
Investor
13
Flips (4yr)
0
New Biz (3yr)
Distress Risk
MODERATE
21
View full risk analysis →

Mortgages

ACTIVE
$450,750
~$424,996 bal.
HOME POINT FINANCIAL CORPORATION · 2021-08-11
Est. Total Balance $424,996
* Estimated assuming 30-year fixed mortgage at prevailing rate at origination. Actual terms may differ.
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