1409 Monte Lake Dr, Valrico, FL 33596 Property Records

Hillsborough County property record for 1409 Monte Lake Dr, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,380 sqft · built 1992
Lot Size	0.196 acres (8,534 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Jun 2019)
Tax Bill	$3,937 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`074762-3524`

Property Details

APN / Parcel Number

Primary APN	`074762-3524`
Alternative APN	`U1330202PY000009000140`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,380 sqft Living Area
Gross Area	3,137 sqft
1st Floor Area	2,380 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2008
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,534 sqft (0.196 acres)
Lot Dimensions	110 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	336 sqft
Porch	Open Porch
Porch Area	337 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0747623524
Street Address	1409 MONTE LAKE DR
City	VALRICO
State	FL
Zip	33596-7160
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	BLOOMINGDALE SECTION W LOT 14 BLOCK 9
Legal Range	20E
Legal Township	30S
Legal Section	13
Legal Subdivision	BLOOMINGDALE SECTION W
Legal Tract	2PY
Legal Block	9
Legal Lot Number	14
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	WIMAUMA-RIVERVIEW
Census Block Group	1
Census Block	1015
Census Tract	13415

Owner

1409 Monte Lake Dr is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1409 MONTE LAKE DR, VALRICO, FL 33596-7160
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage KELLER MORTGAGE LLC
Jun 14, 2019	Warranty Deed, Transfer · Conventional Mortgage KELLER MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2019 · Amount on File
Deed Sale	Jun 14, 2019 · Amount on File
Prior Sale	Nov 8, 2000 · Amount on File
Deed Document Number	2019252688
Deed Book / Page	26703 / 1039
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	1409 MONTE LAKE DR, VALRICO, FL 33596-7160
Transaction Type	Mortgage
Record Updated	Sep 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1409 MONTE LAKE DR, VALRICO, FL 33596-7160

Mortgage

Document Number	2021082242
Date	Feb 18, 2021
Instrument	2021082242

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company
Address	DUBLIN, OH 43016

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jun 14, 2019
Property Address	1409 MONTE LAKE DR, VALRICO, FL 33596-7160
Document Number	0000252688
Book / Page	26703 / 1039
Map Reference	MB 59 PG 23-1-23-14
Instrument Date	Jun 7, 2019
Instrument	2019252688
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	GULFATLANTIC TTL & APPRAISAL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3103 TURKEY WALK LN, 3103, WIMAUMA, FL 33598-7552

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1409 MONTE LAKE DR, VALRICO, FL 33596-7160

Mortgage

Document Number	0267031040
Date	Jun 14, 2019
Instrument	26703/1040

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1409 Monte Lake Dr was $3,937 with a homeowner's exemption.

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		$214,740 (+2.7%)	$356,649 (-1.93%) Land $92,565 Building $264,084
2025	$3,937.00 Homeowner's exemption	$209,094	$363,678 Land $92,565 Building $271,113
2023	$3,472.00 (+5.6%) Homeowner's exemption	$197,283 (+3%)	$340,053 (+3.95%) Land $84,150 Building $255,903
2022	$3,288.00 Homeowner's exemption	$191,537	$327,125 Land $67,320 Building $259,805

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

Flood

FEMA maps place 1409 Monte Lake Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 47 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	47 in force
Nearby Flood Claims	12 (1988–2024)
Claims Outside the SFHA	2 of 12
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 2 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 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

Wildfire risk around 1409 Monte Lake Dr is high, ranking above 72% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 72% of the US · above 55% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 338 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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