Hillsborough County property record for 3104 S Saint Cloud Ave, Valrico, FL 33596
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 3,226 sqft · built 1965 |
| Lot Size | 1.58 acres (68,969 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,509 (2025) |
| Deeds & Mortgages | Mar 2025 Line of Credit Oct 2025 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 087324-0000 |
| Primary APN | 087324-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 3,226 sqft Living Area |
| Gross Area | 3,364 sqft |
| 1st Floor Area | 3,226 sqft |
| Flooring | Terrazzo |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Mansion |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 68,969 sqft |
| Lot Dimensions | 305 ft deep x 220 ft wide |
| Garage Type | Carport |
| Garage Area | 220 sqft |
| Carport | Carport |
| Carport Area | 220 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 138 sqft |
| Shed | 1 Shed |
| Shed Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0873240000 |
|---|---|
| Street Address | 3104 S SAINT CLOUD AVE |
| City | VALRICO |
| State | FL |
| Zip | 33596-6438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ASC-1 |
| Legal Description | S 1/2 OF E 1/2 OF SE 1/4 OF NE 1/4 OF SE 1/4 LESS S 100 FT AND LESS E 25 FT FOR RD R/W |
| Legal Range | 21E |
| Legal Township | 30S |
| Legal Section | 06 |
| Legal Subdivision | UNPLATTED |
| Legal Tract | ZZZ |
| Legal Block | 4 |
| Legal Lot Number | 28510 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | BRANDON |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 13206 |
3104 S Saint Cloud Ave is owned and occupied by two individuals who acquired it in February 2024.
Source: Hillsborough County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3104 S SAINT CLOUD AVE, VALRICO, FL 33596-6438 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
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 |
|---|---|
| Mar 25, 2025 | Deed of Trust, Mortgage · Line of Credit WACHOVIA BANK NA |
| Oct 29, 2025 | Correction Deed ACCOMODATION, ACCOMMODATION |
| Feb 13, 2024 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Dec 27, 2018 | Grant Deed ATTORNEY ONLY |
| Oct 10, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 12, 2024 |
| Transfer Doc | 0000063655 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 3104 S SAINT CLOUD AVE, VALRICO, FL 33596-6438 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3104 S SAINT CLOUD AVE, VALRICO, FL 33596-6438 |
| Document Number | 0000130723 |
|---|---|
| Date | Mar 25, 2025 |
| Instrument | 2025130723 |
| Name | WACHOVIA BANK NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28288 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 257 Months |
| Due | Aug 16, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Oct 29, 2025 |
| Property Address | 3104 S SAINT CLOUD AVE, VALRICO, FL 33596-6438 |
| Document Number | 0000464689 |
| Instrument Date | Oct 23, 2025 |
| Instrument | 2025464689 |
| Record Updated | Dec 18, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 3202 S SAINT CLOUD AVE, VALRICO, FL 33596-6440 |
| Name | Verified Name |
|---|---|
| Address | 3202 S SAINT CLOUD AVE, VALRICO, FL 33596-6440 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Feb 13, 2024 |
| Property Address | 3104 S SAINT CLOUD AVE, VALRICO, FL 33596-6438 |
| Document Number | 0000063655 |
| Instrument Date | Feb 12, 2024 |
| Instrument | 2024063655 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3104 S SAINT CLOUD AVE, VALRICO, FL 33596-6438 |
| Name | Verified Name |
|---|---|
| Address | 3104 S SAINT CLOUD AVE, VALRICO, FL 33596-6438 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Dec 27, 2018 |
| Property Address | 3104 S SAINT CLOUD AVE, VALRICO, FL 33596-6438 |
| Document Number | 0262951514 |
| Book / Page | 026295 / 001514 |
| Instrument Date | Nov 16, 2018 |
| Instrument | 515060 |
| Record Updated | Jan 25, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 3104 S SAINT CLOUD AVE VALRICO FL 335966438, VALRICO, FL 33596-6438 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Oct 10, 2018 |
| Property Address | 3104 S SAINT CLOUD AVE, VALRICO, FL 33596-6438 |
| Document Number | 0261321267 |
| Book / Page | 026132 / 001267 |
| Instrument Date | Oct 4, 2018 |
| Instrument | 413866 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 3104 S SAINT CLOUD AVE VALRICO FL 335966438, VALRICO, FL 33596-6438 |
The 2025 property tax bill for 3104 S Saint Cloud Ave was $6,509, up 8.6% from the year before.
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 | $332,034 (+3.31%) Land $177,158 Building $154,876 | $332,034 (+3.31%) Land $177,158 Building $154,876 | |
| 2025 | $6,509.00 (+8.57%) | $321,395 (+3.47%) Land $161,752 Building $159,643 | $321,395 (+3.47%) Land $161,752 Building $159,643 |
| 2024 | $5,995.00 (-2.69%) | $310,612 (-3.4%) Land $150,969 Building $159,643 | $310,612 (-3.4%) Land $150,969 Building $159,643 |
| 2023 | $6,161.00 | $321,542 Land $138,645 Building $182,897 | $321,542 Land $138,645 Building $182,897 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3104 S Saint Cloud Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.
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 |
| Flood Insurance Cost | Premium on File median of 33 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 33 in force |
| Nearby Flood Claims | 1 (2022) |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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 3104 S Saint Cloud Ave is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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 206 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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