2909 Winding Trail Dr, Valrico, FL 33596 Property Records

Hillsborough County property record for 2909 Winding Trail Dr, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,695 sqft · built 2000
Lot Size	0.425 acres (18,516 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,600 (Jan 2000)
Tax Bill	$5,571 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Mar 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`087182-5438`

Property Details

APN / Parcel Number

Primary APN	`087182-5438`
Alternative APN	`U043021356C00000000640`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,695 sqft Living Area
Gross Area	3,785 sqft
1st Floor Area	2,695 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2012
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	18,516 sqft (0.425 acres)
Lot Dimensions	164 ft deep x 98 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	28 sqft
Porch	Open Porch
Porch Area	410 sqft
Deck Area	Deck Area
Patio Area	103 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0871825438
Street Address	2909 WINDING TRAIL DR
City	VALRICO
State	FL
Zip	33596-7919
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	TWIN LAKES PARCELS A1 B1 AND C LOT 64 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	64
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	2909 WINDING TRAIL DR, VALRICO, FL 33596-7919
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 8, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2000 · Amount on Record
Deed Sale	Jan 25, 2000 · Amount on Record
Deed Book / Page	10020 / 1453
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	2909 WINDING TRAIL DR, VALRICO, FL 33596-7919
Transaction Type	Mortgage
Record Updated	Oct 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2909 WINDING TRAIL DR, VALRICO, FL 33596-7919

Mortgage

Document Number	2021473338
Date	Sep 20, 2021
Instrument	2021473338

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 11, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	2909 WINDING TRAIL DR, VALRICO, FL 33596-7919
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0264490727
Date	Mar 8, 2019
Book Page	26449/0727
Instrument	2019098104

Lender

Name	PNC BANK NA
Type	Bank
Address	BRANDON, FL 33511

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Feb 21, 2059

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$302,651 (+2.7%)	$519,113 (-1.71%) Land $155,898 Building $363,215
2025	$5,571.00 (+6.34%) Homeowner's exemption	$294,694 (+5.99%)	$528,139 (+3.05%) Land $155,898 Building $372,241
2023	$5,239.00 (+4.11%) Homeowner's exemption	$278,048 (+3%)	$512,514 (-2.45%) Land $132,514 Building $380,000
2022	$5,032.00 Homeowner's exemption	$269,950	$525,399 Land $132,514 Building $392,885

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	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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