2802 Winding Trail Dr, Valrico, FL 33596 Property Records

Hillsborough County property record for 2802 Winding Trail Dr, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,522 sqft · built 1998
Lot Size	0.535 acres (23,324 sqft)
Owner	2 Individual Names on File
Last Sale	$394,000 (Jul 2019)
Tax Bill	$8,503 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`087182-5462`

Property Details

APN / Parcel Number

Primary APN	`087182-5462`
Alternative APN	`U043021356C00000000760`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,522 sqft Living Area
Gross Area	4,127 sqft
1st Floor Area	2,522 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2012
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	23,324 sqft (0.535 acres)
Lot Dimensions	202 ft deep x 128 ft wide
Garage Type	Attached
Garage Area	1,197 sqft
Parking Spaces	2 Parking Spaces
Pool Area	336 sqft
Porch	Open Porch
Porch Area	408 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0871825462
Street Address	2802 WINDING TRAIL DR
City	VALRICO
State	FL
Zip	33596-7916
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	TWIN LAKES PARCELS A1 B1 AND C LOT 76 BLOCK C
Legal Range	21E
Legal Township	30S
Legal Section	04
Legal Subdivision	TWIN LAKES PARCELS A1 B1 AND C
Legal Tract	356
Legal Block	C
Legal Lot Number	76
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	BRANDON
Census Block Group	2
Census Block	2015
Census Tract	13207

Owner

2802 Winding Trail Dr is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	2802 WINDING TRAIL DR, VALRICO, FL 33596-7916
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
Jul 9, 2019	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Jan 31, 2017	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2019 · Amount on File
Deed Sale	Jul 9, 2019 · Amount on File
Prior Sale	Jan 31, 2017 · Amount on File
Deed Document Number	2019291243
Deed Book / Page	26769 / 812
Prior Transfer Date	Jul 28, 2015
Prior Transfer Doc	0000299501
Record Updated	Oct 29, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jul 9, 2019
Property Address	2802 WINDING TRAIL DR, VALRICO, FL 33596-7916
Document Number	0000291243
Book / Page	26769 / 0812
Map Reference	MB 80 PG 4
Instrument Date	Jul 3, 2019
Instrument	2019291243
Transaction Type	Transfer
Record Updated	Jul 12, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,758.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16304 BRIDGELAWN AVE, 16304, LITHIA, FL 33547-4850

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2802 WINDING TRAIL DR, VALRICO, FL 33596-7916

Mortgage

Document Number	0267690820
Date	Jul 9, 2019
Instrument	26769/0820

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

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

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jan 31, 2017
Property Address	2802 WINDING TRAIL DR, VALRICO, FL 33596-7916
Document Number	0000039624
Book / Page	24699 / 0676
Map Reference	MB80 PG4
Instrument Date	Jan 26, 2017
Instrument	2017039624
Transaction Type	Transfer
Record Updated	Jul 12, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,663.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4331 LYNX PAW TRL, 4331, VALRICO, FL 33596-7426

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2802 WINDING TRAIL DR, VALRICO, FL 33596-7916

Mortgage

Document Number	0000039625
Date	Jan 31, 2017
Instrument	2017039625

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2802 Winding Trail Dr was $8,503 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		$475,119 (+2.7%)	$659,951 (-0.91%) Land $237,875 Building $422,076
2025	$8,503.00 Homeowner's exemption	$462,628	$665,983 Land $237,875 Building $428,108
2023	$7,213.00 (+3.41%) Homeowner's exemption	$405,536 (+3%)	$568,746 (-3.39%) Land $202,194 Building $366,552
2022	$6,975.00 Homeowner's exemption	$393,724	$588,733 Land $202,194 Building $386,539

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

Flood

FEMA maps place 2802 Winding Trail Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2002.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 46 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	46 in force
Nearby Flood Claims	3 (2002–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 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 2802 Winding Trail Dr is moderate, ranking above 52% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.2% 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 192 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
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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