2809 Winding Trail Dr, Valrico, FL 33596 Property Records

Hillsborough County property record for 2809 Winding Trail Dr, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,193 sqft · built 1998
Lot Size	0.604 acres (26,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$454,000 (Dec 2019)
Tax Bill	$7,059 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`087182-5452`

Property Details

APN / Parcel Number

Primary APN	`087182-5452`
Alternative APN	`U043021356C00000000710`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,193 sqft Living Area
Gross Area	4,313 sqft
1st Floor Area	3,193 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	26,300 sqft (0.604 acres)
Lot Dimensions	231 ft deep x 99 ft wide
Garage Type	Attached
Garage Area	680 sqft
Parking Spaces	2 Parking Spaces
Pool Area	555 sqft
Porch	Open Porch
Porch Area	440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0871825452
Street Address	2809 WINDING TRAIL DR
City	VALRICO
State	FL
Zip	33596-7917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	TWIN LAKES PARCELS A1 B1 AND C LOT 71 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	71
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	BRANDON
Census Block Group	2
Census Block	2015
Census Tract	13207

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2809 WINDING TRAIL DR, VALRICO, FL 33596-7917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Dec 27, 2019	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Feb 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2019 · Amount on Record
Deed Sale	Dec 27, 2019 · Amount on Record
Prior Sale	Mar 11, 1998 · Amount on Record
Deed Document Number	2019551016
Deed Book / Page	27216 / 232
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	2809 WINDING TRAIL DR, VALRICO, FL 33596-7917
Transaction Type	Mortgage
Record Updated	Feb 9, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2809 WINDING TRAIL DR, VALRICO, FL 33596-7917

Mortgage

Document Number	0000041170
Date	Jan 24, 2022
Instrument	2022041170

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Dec 27, 2019
Property Address	2809 WINDING TRAIL DR, VALRICO, FL 33596-7917
Document Number	0000551016
Book / Page	27216 / 0232
Map Reference	MB 80 PG 4
Instrument Date	Dec 20, 2019
Instrument	2019551016
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,178.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	102 WOODGLEN CT, 102, FLAT ROCK, NC 28731-8518

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3122 BEAVER POND TRL, VALRICO, FL 33596-7931

Mortgage

Document Number	0272160234
Date	Dec 27, 2019
Instrument	27216/0234

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	2809 WINDING TRAIL DR, VALRICO, FL 33596-7917
Document Number	0255820010
Instrument Date	Feb 10, 2018
Transaction Type	Mortgage
Record Updated	Mar 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2809 WINDING TRAIL DR VALRICO FL 335967917, VALRICO, FL 33596-7917

Mortgage

Document Number	0255820010
Date	Feb 27, 2018
Book Page	025582/000010
Instrument	76705

Lender

Name	THIRD FED'L S&L/CLEVELAND
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 26, 2028

Tax Assessment & Valuation

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		$393,911 (+2.7%)	$608,361 (-1.13%) Land $214,969 Building $393,392
2025	$7,059.00 (+9.37%) Homeowner's exemption	$383,555 (+5.99%)	$615,339 (+4.04%) Land $214,969 Building $400,370
2023	$6,454.00 (+3.55%) Homeowner's exemption	$361,888 (+3%)	$591,434 (-2.79%) Land $182,723 Building $408,711
2022	$6,233.00 Homeowner's exemption	$351,348	$608,414 Land $182,723 Building $425,691

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

Flood

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 Record 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

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	None 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 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 170 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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