2928 Winding Trail Dr, Valrico, FL 33596 Property Records

Hillsborough County property record for 2928 Winding Trail Dr, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,286 sqft · built 1997
Lot Size	0.573 acres (24,936 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Jul 2019)
Tax Bill	$8,584 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`087182-5418`

Property Details

APN / Parcel Number

Primary APN	`087182-5418`
Alternative APN	`U043021356C00000000540`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,286 sqft Living Area
Gross Area	4,290 sqft
1st Floor Area	3,286 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2017
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	24,936 sqft (0.573 acres)
Lot Dimensions	265 ft deep x 81 ft wide
Garage Type	Attached
Garage Area	688 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	336 sqft
Porch	Open Porch
Porch Area	316 sqft
Deck Area	168 sqft
Patio Area	414 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0871825418
Street Address	2928 WINDING TRAIL DR
City	VALRICO
State	FL
Zip	33596-7920
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	TWIN LAKES PARCELS A1 B1 AND C LOT 54 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	54
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	BRANDON
Census Block Group	2
Census Block	2015
Census Tract	13207

Owner

2928 Winding Trail Dr is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	2928 WINDING TRAIL DR, VALRICO, FL 33596-7920
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
Apr 23, 2020	Deed of Trust, Mortgage · VA Mortgage NFM LNDG
Jul 15, 2019	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2019 · Amount on File
Deed Sale	Jul 15, 2019 · Amount on File
Prior Sale	Nov 13, 2003 · Amount on File
Deed Document Number	2019302069
Deed Book / Page	26787 / 86
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	2928 WINDING TRAIL DR, VALRICO, FL 33596-7920
Document Number	0000180992
Instrument Date	Apr 23, 2020
Transaction Type	Mortgage
Record Updated	Jun 4, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2928 WINDING TRAIL DR VALRICO FL 335967920, VALRICO, FL 33596-7920

Mortgage

Document Number	0000180992
Date	Apr 30, 2020
Instrument	180992

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 29, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jul 15, 2019
Property Address	2928 WINDING TRAIL DR, VALRICO, FL 33596-7920
Document Number	0267870086
Book / Page	026787 / 000086
Instrument Date	Jul 12, 2019
Instrument	302069
Transaction Type	Transfer
Record Updated	Aug 1, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,290.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2928 WINDING TRAIL DR VALRICO FL 335967920, VALRICO, FL 33596-7920

Mortgage

Document Number	267870088
Date	Jul 15, 2019
Book Page	026787/000088
Instrument	302070

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 14, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2928 Winding Trail Dr was $8,584 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		$484,803 (+2.7%)	$699,484 (-1.29%) Land $211,860 Building $487,624
2025	$8,584.00 Homeowner's exemption Veteran's exemption	$472,057	$708,591 Land $211,860 Building $496,731
2023	$7,740.00 (+3.37%) Homeowner's exemption Veteran's exemption	$440,832 (+3%)	$631,860 (-3.13%) Land $180,081 Building $451,779
2022	$7,488.00 Homeowner's exemption Veteran's exemption	$427,992	$652,274 Land $180,081 Building $472,193

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

Flood

FEMA maps place 2928 Winding Trail Dr 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 2928 Winding Trail Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.02% 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 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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