Hillsborough County property record for 2946 Stearns Rd, Valrico, FL 33596
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,998 sqft · built 2022 |
| Lot Size | 1.49 acres (65,154 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $126,000 (Nov 2020) |
| Tax Bill | $11,630 (2025) |
| Deeds & Mortgages | Oct 2021 Construction Loan Nov 2020 Sale |
| Flood Zone | Zone A (high risk) |
| APN | 087471-0525 |
| Primary APN | 087471-0525 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,998 sqft Living Area |
| Gross Area | 3,639 sqft |
| 1st Floor Area | 1,400 sqft |
| Flooring | Carpet |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 65,154 sqft |
| Garage Type | Attached |
| Garage Area | 482 sqft |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0874710525 |
|---|---|
| Street Address | 2946 STEARNS RD |
| City | VALRICO |
| State | FL |
| Zip | 33596-6461 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AS-1 |
| Legal Description | BEG AT NE COR OF SE 1/4 OF NW 1/4 OF NW 1/4 THN RUN N 88 DEG 52 MIN 57 SEC E 221.19 FT THN S 00 DEG 04 MIN 29 SEC W 146.66 FT THN S 89 DEG 08 MIN 44 SEC W 115.45 FT THN S 00 DEG 02 MIN 46 SEC E 486.48 FT THN S 89 DEG 13 MIN 32 SEC W 15 FT THN N 00 DE |
| Legal Range | 21E |
| Legal Township | 30S |
| Legal Section | 08 |
| Legal Subdivision | UNPLATTED |
| Legal Block | 4 |
| Legal Lot Number | 31350 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | BRANDON |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 13208 |
2946 Stearns Rd is owned by two individuals who bought it in November 2020.
Source: Hillsborough County records, as of September 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15512 STARLING CROSSING DR, LITHIA, FL 33547-3994 |
| 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.
| Date | Document |
|---|---|
| Oct 18, 2021 | Deed of Trust, Mortgage · Construction Mortgage WHITNEY BANK |
| Nov 23, 2020 | Warranty Deed, Transfer EXECUTIVE TITLE, EXECUTIVE TITLE/FL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 23, 2020 · Amount on File |
| Deed Sale | Nov 23, 2020 · Amount on File |
| Prior Sale | Mar 23, 2018 · Amount on File |
| Deed Document Number | 2020489396 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 2946 STEARNS RD, VALRICO, FL 33596-6461 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 15512 STARLING CROSSING DR, LITHIA, FL 33547-3994 |
| Document Number | 0000525934 |
|---|---|
| Date | Oct 18, 2021 |
| Instrument | 2021525934 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | GULFPORT, MS 39501 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Nov 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.62% |
| Index | Other |
| Max Rate | 7.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Nov 23, 2020 |
| Property Address | STEARNS RD, VALRICO, FL 33596 |
| Document Number | 0000489396 |
| Instrument Date | Nov 2, 2020 |
| Instrument | 489396 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2020 |
| Title Company | EXECUTIVE TITLE, EXECUTIVE TITLE/FL |
| Amount | Amount on Record |
|---|---|
| Tax | $882.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15512 STARLING CROSSING DR LITHIA FL 335473994, LITHIA, FL 33547-3994 |
The 2025 property tax bill for 2946 Stearns Rd was $11,630.
Source: Hillsborough County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Hillsborough County |
| Unified School District | Hillsborough County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $610,559 (+1%) Land $149,523 Building $461,036 | $610,559 (+1%) Land $149,523 Building $461,036 | |
| 2025 | $11,630.00 | $604,491 Land $136,521 Building $467,970 | $604,491 Land $136,521 Building $467,970 |
| 2023 | $10,638.00 (+512.44%) | $567,961 (+436.85%) Land $117,018 Building $450,943 | $567,961 (+436.85%) Land $117,018 Building $450,943 |
| 2022 | $1,737.00 | $105,795 Land $97,515 Building $8,280 | $105,795 Land $97,515 Building $8,280 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2946 Stearns Rd 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 48 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 48 in force |
| Nearby Flood Claims | 12 (1997–2024) |
| Claims Outside the SFHA | 1 of 12 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 risk around 2946 Stearns Rd is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 79 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 |
| AT&T Fixed Wireless | 100 / 20 |
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