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1606 S Saint Cloud Ave, Valrico, FL 33594 Property Records

Hillsborough County property record for 1606 S Saint Cloud Ave, Valrico, FL 33594

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,551 sqft · built 1977
Lot Size3.13 acres (136,438 sqft)
OwnerIndividual Name on File
Last Sale$570,000 (Oct 2022)
Tax Bill$8,976 (2025)
Deeds & MortgagesJun 2026 Transfer
Jun 2022 Second Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN086467-0005

Property Details

APN / Parcel Number

Primary APN086467-0005
Alternative APN
  • U312921ZZZ000004168400

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,551 sqft Living Area
Gross Area2,677 sqft
1st Floor Area2,551 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1977
Effective Year BuiltEffective 2011
Architectural StyleContemporary
Exterior MaterialMasonry/Stucco
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area136,438 sqft
Garage Area640 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area198 sqft
Patio Area480 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number0864670005
Street Address1606 S SAINT CLOUD AVE
CityVALRICO
StateFL
Zip33594-4750
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeASC-1
Legal DescriptionW 326.28 FT OF W 640 FT OF S 1/4 OF SE 1/4 OF NE 1/4 ---N 30 FT OF S 1/4 OF SE 1/4 OF NE 1/4 LESS W 326.28 FT THEREOF
Legal Range21E
Legal Township29S
Legal Section31
Legal SubdivisionUNPLATTED
Legal TractZZZ
Legal Block4
Legal Lot Number16840
JurisdictionHILLSBOROUGH FL
Township / Civil DivisionBRANDON
Census Block Group1
Census Block1007
Census Tract13205

Owner

1606 S Saint Cloud Ave is owned and occupied by an individual who bought it in October 2022.

Source: Hillsborough County records, as of October 12, 2026

Owner of RecordIndividual Name on File
Mailing Address1606 S SAINT CLOUD AVE, VALRICO, FL 33594-4750
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Woman

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

DateDocument
Jun 16, 2026Quit Claim Deed, Transfer
NONE LISTED ON DOCUMENT
Jun 21, 2022Deed of Trust, Mortgage · Stand-Alone Second Mortgage
KNOCK LENDING LLC
Oct 3, 2022Warranty Deed, Transfer · VA Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 3, 2022 · Amount on File
Deed SaleOct 3, 2022 · Amount on File
Prior SaleJan 16, 2014 · Amount on File
Deed Document Number2022467822
Prior Transfer DateApr 11, 2012
Prior Transfer Doc0000131298
Record UpdatedOct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHILLSBOROUGH FL
Recording DateJun 16, 2026
Property Address1606 S SAINT CLOUD AVE, VALRICO, FL 33594-4750
Document Number0000231881
Instrument DateJun 16, 2026
Instrument2026231881
Transaction TypeTransfer
Record UpdatedAug 30, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1606 S SAINT CLOUD AVE, VALRICO, FL 33594-4750

June 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHILLSBOROUGH FL
Property Address1606 S SAINT CLOUD AVE, VALRICO, FL 33594-4750
Transaction TypeMortgage
Record UpdatedJun 8, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address1606 S SAINT CLOUD AVE, VALRICO, FL 33594-4750

Mortgage

Document Number0000308210
DateJun 21, 2022
Instrument2022308210
Lender
NameKNOCK LENDING LLC
TypeMortgage Company
AddressATLANTA, GA 30305
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateOct 3, 2022
Property Address1606 S SAINT CLOUD AVE, VALRICO, FL 33594-4750
Document Number0000467822
Instrument DateSep 23, 2022
Instrument2022467822
Transaction TypeTransfer
Record UpdatedJan 19, 2023
Title CompanyALL AMERICAN TITLE

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,990.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1319 CAMBRON DR, VALRICO, FL 33596-5613

Transferred To (Grantee/Buyer)

NameVerified Name
Address1606 S SAINT CLOUD AVE, VALRICO, FL 33594-4750

Mortgage

Document Number0000467823
DateOct 3, 2022
Instrument2022467823
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueOct 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1606 S Saint Cloud Ave was $8,976.

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

Property Jurisdictions

TypeName
StateFlorida
CountyHillsborough County
Unified School DistrictHillsborough County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$514,408 (+2.7%)$534,556 (+3.65%) Land $264,496 Building $270,060
2025$8,976.00 Homeowner's exemption$500,884$515,747 Land $241,526 Building $274,221
2023$8,007.00 (+88.58%) Homeowner's exemption$472,590 (+81.82%) Land $207,069 Building $265,521$472,590 (+6.14%) Land $207,069 Building $265,521
2022$4,246.00 Homeowner's exemption$259,920$445,243 Land $172,612 Building $272,631

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1606 S Saint Cloud Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.

Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 14 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies14 in force
Nearby Flood Claims1 (2009)
Claims Outside the SFHA1 of 1
Most Recent ClaimApr 2009

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 1606 S Saint Cloud Ave is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemHCWRD/SOUTH-CENTRAL
serves 515,012 people · EPA ID FL6290787
Water SourcePurchased surface water from several systems
Last State InspectionNov 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 374 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20

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