2815 Winding Trail Dr, Valrico, FL 33596 Property Records

Hillsborough County property record for 2815 Winding Trail Dr, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,847 sqft · built 1999
Lot Size	0.357 acres (15,542 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Jul 2022)
Tax Bill	$822 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Mar 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`087182-5446`

Property Details

APN / Parcel Number

Primary APN	`087182-5446`
Alternative APN	`U043021356C00000000680`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,847 sqft Living Area
Gross Area	3,969 sqft
1st Floor Area	2,847 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2012
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,542 sqft (0.357 acres)
Lot Dimensions	194 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	680 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	420 sqft
Porch	Open Porch
Porch Area	442 sqft
Deck Area	Deck Area
Patio Area	178 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0871825446
Street Address	2815 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 68 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	68
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	BRANDON
Census Block Group	2
Census Block	2015
Census Tract	13207

Owner

2815 Winding Trail Dr is owned and occupied by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	2815 WINDING TRAIL DR, VALRICO, FL 33596-7917
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 27, 2022	Warranty Deed, Transfer · VA Mortgage AMERIFIRST FINANCIAL CORP
Mar 8, 2019	Deed of Trust, Mortgage · Line of Credit GROW FINANCIAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2022 · Amount on File
Deed Sale	Jul 27, 2022 · Amount on File
Prior Sale	Feb 19, 1999 · Amount on File
Deed Document Number	2022370972
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jul 27, 2022
Property Address	2815 WINDING TRAIL DR, VALRICO, FL 33596-7917
Document Number	0000370972
Map Reference	MB 80 PG 4
Instrument Date	Jul 27, 2022
Instrument	2022370972
Transaction Type	Transfer
Record Updated	Aug 8, 2022
Title Company	ALL AMERICAN TITLE PROS LLLP

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 TRELAGO WAY APT 204, 605, MAITLAND, FL 32751-4387

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2815 WINDING TRAIL DR, VALRICO, FL 33596-7917

Mortgage

Document Number	0000370973
Date	Jul 27, 2022
Instrument	2022370973

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	2815 WINDING TRAIL DR, VALRICO, FL 33596-7917
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0264471473
Date	Mar 8, 2019
Book Page	26447/1473
Instrument	2019097173

Lender

Name	GROW FINANCIAL FCU
Type	Credit Union
Address	TAMPA, FL 33619

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2815 Winding Trail Dr was $822.

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		$522,170 (-1%) Land $150,544 Building $371,626	$522,170 (-1%) Land $150,544 Building $371,626
2025	$822.00 Disabled Person's exemption Veteran's exemption	$527,437 Land $150,544 Building $376,893	$527,437 Land $150,544 Building $376,893
2023	$895.00 (-81.09%) Disabled Person's exemption Veteran's exemption	$516,980 (+94.6%) Land $127,962 Building $389,018	$516,980 (-2.93%) Land $127,962 Building $389,018
2022	$4,733.00 Homeowner's exemption	$265,658	$532,603 Land $127,962 Building $404,641

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 2815 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 2815 Winding Trail Dr is moderate, ranking above 42% of the US, with a 0.07% annual chance of 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.

Nearby Properties on Winding Trail Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures