2806 Clover Dew Ct, Valrico, FL 33596 Property Records

Hillsborough County property record for 2806 Clover Dew Ct, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,340 sqft · built 2002
Lot Size	0.334 acres (14,557 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (Jun 2023)
Tax Bill	$7,890 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Nov 2017 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`087182-5924`

Property Details

APN / Parcel Number

Primary APN	`087182-5924`
Alternative APN	`U0430215LTD00000000120`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,340 sqft Living Area
Gross Area	3,171 sqft
1st Floor Area	2,340 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2014
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	14,557 sqft (0.334 acres)
Lot Dimensions	123 ft deep x 111 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	231 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0871825924
Street Address	2806 CLOVER DEW CT
City	VALRICO
State	FL
Zip	33596-7947
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	TWIN LAKES PARCELS D1 D3 AND E1 LOT 12 BLOCK D
Legal Range	21E
Legal Township	30S
Legal Section	04
Legal Subdivision	TWIN LAKES PARCELS D1 D3 AND E1
Legal Tract	5LT
Legal Block	D
Legal Lot Number	12
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	BRANDON
Census Block Group	2
Census Block	2015
Census Tract	13207

Owner

2806 Clover Dew Ct is owned and occupied by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	2806 CLOVER DEW CT, VALRICO, FL 33596-7947
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 23, 2023	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Nov 3, 2017	Deed of Trust, Mortgage · Reverse Mortgage SYNERGY ONE LENDING
Oct 24, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2023 · Amount on File
Deed Sale	Jun 23, 2023 · Amount on File
Prior Sale	Jul 19, 2012 · Amount on File
Deed Document Number	2023275821
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jun 23, 2023
Property Address	2806 CLOVER DEW CT, VALRICO, FL 33596-7947
Document Number	0000275821
Map Reference	MB 88 PG 1-1-1-8
Instrument Date	Jun 15, 2023
Instrument	2023275821
Transaction Type	Transfer
Record Updated	Jul 21, 2023
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,570.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1489 PINETREE PASS, EAGAN, MN 55122-3723

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2806 CLOVER DEW CT, VALRICO, FL 33596-7947

Mortgage

Document Number	0000275822
Date	Jun 23, 2023
Instrument	2023275822

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	2806 CLOVER DEW CT, VALRICO, FL 33596-7947
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0253420226
Date	Nov 3, 2017
Book Page	25342/0226
Instrument	2017430173

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	792 Months
Due	Nov 18, 2083

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	2806 CLOVER DEW CT, VALRICO, FL 33596-7947
Document Number	0253420243
Instrument Date	Oct 24, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2806 CLOVER DEW CT VALRICO FL 335967947, VALRICO, FL 33596-7947

Mortgage

Document Number	0253420243
Date	Nov 3, 2017
Book Page	025342/000243
Instrument	430174

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	792 Months
Due	Nov 2, 2083

Interest

Rate Type	Adjustable Rate
Rate	4.58%

Tax Assessment & Valuation

The 2025 property tax bill for 2806 Clover Dew Ct was $7,890 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		$424,759 (-0.72%) Land $135,420 Building $289,339	$424,759 (-1.06%) Land $135,420 Building $289,339
2025	$7,890.00 Homeowner's exemption	$427,826	$429,311 Land $135,420 Building $293,891
2023	$8,209.00 (+101.94%)	$416,111 (+86.23%) Land $115,107 Building $301,004	$416,111 (-3.32%) Land $115,107 Building $301,004
2022	$4,065.00 Homeowner's exemption	$223,445	$430,383 Land $115,107 Building $315,276

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 2806 Clover Dew Ct 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 2806 Clover Dew Ct is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within 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 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 322 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

May also be available: Verizon.

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