2909 Mossy Timber Trl, Valrico, FL 33596 Property Records

Hillsborough County property record for 2909 Mossy Timber Trl, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,134 sqft · built 2001
Lot Size	0.337 acres (14,678 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Sep 2015)
Tax Bill	$6,589 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2020 Mortgage
Flood Zone	Zone A (high risk)
APN	`087182-6002`

Property Details

APN / Parcel Number

Primary APN	`087182-6002`
Alternative APN	`U0430215LTE00000000040`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,134 sqft Living Area
Gross Area	4,234 sqft
1st Floor Area	3,134 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2013
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	14,678 sqft (0.337 acres)
Lot Dimensions	163 ft deep x 82.9 ft wide
Garage Type	Attached
Garage Area	680 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	384 sqft
Porch	Open Porch
Porch Area	420 sqft
Deck Area	Deck Area
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0871826002
Street Address	2909 MOSSY TIMBER TRL
City	VALRICO
State	FL
Zip	33596-7949
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	TWIN LAKES PARCELS D1 D3 AND E1 LOT 4 BLOCK E
Legal Range	21E
Legal Township	30S
Legal Section	04
Legal Subdivision	TWIN LAKES PARCELS D1 D3 AND E1
Legal Tract	5LT
Legal Block	E
Legal Lot Number	4
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	BRANDON
Census Block Group	2
Census Block	2015
Census Tract	13207

Owner

2909 Mossy Timber Trl is owned and occupied by two individuals who bought it in September 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	2909 MOSSY TIMBER TRL, VALRICO, FL 33596-7949
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
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage AUSTIN CAPITAL BANK SSB
Jan 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage AUSTIN CAP BK SSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2015 · Amount on File
Deed Sale	Sep 8, 2015 · Amount on File
Prior Sale	Apr 8, 2014
Deed Document Number	2015344991
Deed Book / Page	23522 / 67
Prior Transfer Date	Mar 20, 2014
Prior Transfer Doc	0000113405
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	2909 MOSSY TIMBER TRL, VALRICO, FL 33596-7949
Transaction Type	Mortgage
Record Updated	Feb 15, 2021
Title Company	EXECUTIVE TITLE, EXECUTIVE TITLE OF FL INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2909 MOSSY TIMBER TRL, VALRICO, FL 33596-7949

Mortgage

Document Number	2021049197
Date	Feb 1, 2021
Instrument	2021049197

Lender

Name	AUSTIN CAPITAL BANK SSB
Type	Bank
Address	AUSTIN, TX 78757

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	2909 MOSSY TIMBER TRL, VALRICO, FL 33596-7949
Document Number	0000066497
Instrument Date	Jan 25, 2020
Transaction Type	Mortgage
Record Updated	Apr 17, 2020
Title Company	RADIAN TITLE INSURANCE INC, RADIAN TITLE INS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2909 MOSSY TIMBER TRL VALRICO FL 335967949, VALRICO, FL 33596-7949

Mortgage

Document Number	0000066497
Date	Feb 26, 2020
Instrument	66497

Lender

Name	AUSTIN CAP BK SSB
Address	AUSTIN, TX 78757

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 25, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2909 Mossy Timber Trl was $6,589 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		$367,410 (+2.7%)	$526,869 (-2.15%) Land $133,792 Building $393,077
2025	$6,589.00 Homeowner's exemption	$357,751	$538,460 Land $133,792 Building $404,668
2023	$6,030.00 (+3.61%) Homeowner's exemption	$337,543 (+3%)	$521,673 (-3.09%) Land $113,723 Building $407,950
2022	$5,820.00 Homeowner's exemption	$327,712	$538,296 Land $113,723 Building $424,573

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

Flood

FEMA maps place 2909 Mossy Timber Trl in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 2909 Mossy Timber Trl is moderate, ranking above 43% 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 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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