2907 Bear Oak Dr, Valrico, FL 33594 Property Records

Hillsborough County property record for 2907 Bear Oak Dr, Valrico, FL 33594

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,461 sqft · built 2008
Lot Size	0.026 acres (1,144 sqft)
Owner	2 Individual Names on File
Last Sale	$229,900 (Sep 2026)
Tax Bill	$4,468 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`086308-9424`

Property Details

APN / Parcel Number

Primary APN	`086308-9424`
Alternative APN	`U29292191Q000039000040`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,461 sqft Living Area
Gross Area	1,782 sqft
1st Floor Area	563 sqft
Upper Floors Area	898 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2016
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	1,144 sqft (0.026 acres)
Garage Type	Attached
Garage Area	231 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	90 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0863089424
Street Address	2907 BEAR OAK DR
City	VALRICO
State	FL
Zip	33594-6833
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PD
Legal Description	OAKWOOD TERRACE TOWNHOMES PHASE 2 LOT 4 BLOCK 39
Legal Range	21E
Legal Township	29S
Legal Section	29
Legal Subdivision	OAKWOOD TERRACE TOWNHOMES PHASE 2
Legal Phase	2
Legal Tract	91Q
Legal Block	39
Legal Lot Number	4
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	BRANDON
Census Block Group	1
Census Block	1017
Census Tract	13204

Owner

2907 Bear Oak Dr, a townhouse, is owned and occupied by two individuals who bought it in September 2026.

Source: Hillsborough County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2907 BEAR OAK DR, VALRICO, FL 33594-6833
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2026 · Amount on File
Deed Sale	Sep 18, 2026 · Amount on File
Prior Sale	Dec 15, 2008 · Amount on File
Deed Document Number	2026365613
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Sep 18, 2026
Property Address	2907 BEAR OAK DR, VALRICO, FL 33594-6833
Document Number	0000365613
Instrument Date	Sep 16, 2026
Instrument	2026365613
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	E TITLE LLC, OPUS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$162,539.30
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2907 BEAR OAK DR, VALRICO, FL 33594-6833

Mortgage

Document Number	0000365614,
Date	Sep 18, 2026
Instrument	2026365614

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 2907 Bear Oak Dr was $4,468, up 1% from the year before.

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		$191,575 (-7.88%) Land $19,158 Building $172,417	$191,575 (-7.88%) Land $19,158 Building $172,417
2025	$4,468.00 (+1%)	$207,958 Land $20,796 Building $187,162	$207,958 Land $20,796 Building $187,162
2024	$4,062.00 (+8.78%)
2023	$3,734.00 (+10.15%)	$197,684 (+9.64%) Land $19,768 Building $177,916	$197,684 (+9.64%) Land $19,768 Building $177,916
2022	$3,390.00	$180,297 Land $18,030 Building $162,267	$180,297 Land $18,030 Building $162,267

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

Flood

FEMA maps place 2907 Bear Oak Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2019.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (2019–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

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 2907 Bear Oak Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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 250 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20