322 Summer Sails Dr, Valrico, FL 33594 Property Records

Hillsborough County property record for 322 Summer Sails Dr, Valrico, FL 33594 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,269 sqft · built 2002
Lot Size	0.12 acres (5,256 sqft)
Owner	Individual Name on File
Last Sale	$178,000 (Oct 2018)
Tax Bill	$2,659 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0857401196`

Property Details

APN / Parcel Number

Primary APN	`0857401196`
Alternative APN	`U2029215PBB00000000110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,269 sqft Heated Area
1st Floor Area	1,269 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2013
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,256 sqft (0.12 acres)
Lot Dimensions	120 ft deep x 43.8 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	48 sqft
Patio Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	0857401196
Street Address	322 SUMMER SAILS DR
City	VALRICO
State	FL
Zip	33594-8009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOMERSET TRACT A-1 LOT 11 BLOCK B
Legal Range	21E
Legal Township	29S
Legal Section	20
Legal Subdivision	SOMERSET TRACT A-1
Legal Tract	A
Legal Block	B
Legal Lot Number	11
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	BRANDON
Census Block Group	1
Census Block	1008
Census Tract	12210

Owner

Source: Hillsborough County records · APN 0857401196

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	322 SUMMER SAILS DR, VALRICO, FL 33594-8009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Aug 10, 2020	Deed of Trust, Mortgage REGIONS MTG
Oct 19, 2018	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 19, 2018 · Amount on Record
Deed Sale	Oct 19, 2018 · Amount on Record
Prior Sale	Oct 10, 2002 · Amount on Record
Deed Document Number	2018425970
Deed Book / Page	26150 / 1986
Record Updated	Jun 08, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	322 SUMMER SAILS DR, VALRICO, FL 33594-8009
Transaction Type	Mortgage
Record Updated	Jul 07, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 SUMMER SAILS DR, VALRICO, FL 33594-8009

Mortgage

Document Number	0000317487
Date	Jun 24, 2022
Instrument	2022317487

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	322 SUMMER SAILS DR, VALRICO, FL 33594-8009
Document Number	0000349581
Instrument Date	Aug 10, 2020
Transaction Type	Mortgage
Record Updated	Sep 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 SUMMER SAILS DR VALRICO FL 335948009, VALRICO, FL 33594-8009

Mortgage

Document Number	0000349581
Date	Aug 27, 2020
Instrument	349581

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Oct 19, 2018
Property Address	322 SUMMER SAILS DR, VALRICO, FL 33594-8009
Document Number	0261501986
Book / Page	026150 / 001986
Instrument Date	Oct 18, 2018
Instrument	425970
Transaction Type	Transfer
Record Updated	Nov 08, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,246.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 SUMMER SAILS DR VALRICO FL 335948009, VALRICO, FL 33594-8009

Mortgage

Document Number	261501987
Date	Oct 19, 2018
Book Page	026150/001987
Instrument	425971

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 18, 2048

Tax Assessment & Valuation

Source: Hillsborough County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Hillsborough County
Unified School District	Hillsborough County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,659.00 (+12.01%) Homeowner's exemption	$146,383 (+5.99%)	$241,969 (+6.33%) Land $69,011 Building $172,958
2023	$2,374.00 (+7.32%) Homeowner's exemption	$138,115 (+3%)	$227,561 (+3.58%) Land $69,011 Building $158,550
2022	$2,212.00 Homeowner's exemption	$134,092	$219,706 Land $58,394 Building $161,312

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hillsborough County (12057C), updated September 28, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120570122101, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1988–2024)
Most Recent Claim	Oct 2024, rainfall accumulation, Hurricane Milton

Wildfire

Wildfire Risk	Low above 20% of the US · above 7% of Florida
Wildfire Likelihood	About 1 in 2,632 per year
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 318 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Xfinity	Cable	1,200 / 35
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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