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3314 S Saint Cloud Ave, Valrico, FL 33596 Property Records

Hillsborough County property record for 3314 S Saint Cloud Ave, Valrico, FL 33596

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,280 sqft · built 2004
Lot Size0.461 acres (20,097 sqft)
Owner2 Individual Names on Record
Last Sale$340,000 (Nov 2019)
Tax Bill$5,099 (2025)
Deeds & MortgagesNov 2021 Mortgage
Nov 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN087343-0000

Property Details

APN / Parcel Number

Primary APN087343-0000
Alternative APN
  • U063021ZZZ000004287900

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,280 sqft Living Area
Gross Area2,994 sqft
1st Floor Area1,181 sqft
2nd Floor Area938 sqft
Upper Floors Area161 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2019
Architectural StyleContemporary
Exterior MaterialBrick/Stone
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area20,097 sqft (0.461 acres)
Lot Dimensions209 ft deep x 100 ft wide
Garage TypeAttached
Garage Area529 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area153 sqft
Patio Area360 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number0873430000
Street Address3314 S SAINT CLOUD AVE
CityVALRICO
StateFL
Zip33596-6442
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeASC-1
Legal DescriptionN 100 FT OF S 362.30 FT OF E 233.75 FT OF SE 1/4
Legal Range21E
Legal Township30S
Legal Section06
Legal SubdivisionUNPLATTED
Legal TractZZZ
Legal Block4
Legal Lot Number28790
JurisdictionHILLSBOROUGH FL
Township / Civil DivisionBRANDON
Census Block Group4
Census Block4005
Census Tract13206

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address3314 S SAINT CLOUD AVE, VALRICO, FL 33596-6442
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 22, 2021Deed of Trust, Mortgage · Conventional Mortgage
NFM INC
Nov 12, 2019Warranty Deed, Transfer · Conventional with PMI
NFM LNDG

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 12, 2019 · Amount on Record
Deed SaleNov 12, 2019 · Amount on Record
Prior SaleMar 8, 2003 · Amount on Record
Deed Document Number2019489524
Deed Book / Page27106 / 259
Prior Transfer DateFeb 19, 2003
Prior Transfer Doc0000091000
Record UpdatedOct 29, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHILLSBOROUGH FL
Property Address3314 S SAINT CLOUD AVE, VALRICO, FL 33596-6442
Transaction TypeMortgage
Record UpdatedDec 18, 2025
Title CompanyEXECUTIVE TITLE, EXECUTIVE TITLE OF FL INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3314 S SAINT CLOUD AVE, VALRICO, FL 33596-6442

Mortgage

Document Number0000596399
DateNov 22, 2021
Instrument2021596399
Lender
NameNFM INC
TypeMortgage Company
AddressLINTHICUM HEIGHTS, MD 21090
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2051

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateNov 12, 2019
Property Address3314 S SAINT CLOUD AVE, VALRICO, FL 33596-6442
Document Number0271060259
Book / Page027106 / 000259
Instrument DateNov 1, 2019
Instrument489524
Transaction TypeTransfer
Record UpdatedDec 5, 2019
Title CompanyEXECUTIVE TITLE, EXECUTIVE TITLE/FL

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,380.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3314 S SAINT CLOUD AVE VALRICO FL 335966442, VALRICO, FL 33596-6442

Mortgage

Document Number271060260
DateNov 12, 2019
Book Page027106/000260
Instrument489525
Lender
NameNFM LNDG
AddressLINTHICUM, MD 21090
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueNov 11, 2049

Tax Assessment & Valuation

Source: Hillsborough County assessment roll, as of September 29, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyHillsborough County
Unified School DistrictHillsborough County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$298,441 (+2.7%)$400,560 (+0.87%) Land $96,876 Building $303,684
2025$5,099.00 (+32.44%) Homeowner's exemption$290,595 (+23.27%)$397,106 (+17.65%) Land $88,452 Building $308,654
2023$3,850.00 (+5.05%) Homeowner's exemption$235,733 (+3%)$337,542 (+7.71%) Land $75,816 Building $261,726
2022$3,665.00 Homeowner's exemption$228,867$313,379 Land $63,180 Building $250,199

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 33 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies33 in force
Nearby Flood Claims1 (2022)
Most Recent ClaimSep 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

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

Wildfire RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.09% annual chance
ExposureDirect
burnable vegetation

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 SystemHCWRD/SOUTH-CENTRAL
serves 515,012 people · EPA ID FL6290787
Water SourcePurchased surface water from several systems
Last State InspectionNov 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 285 locations within half a mile, as of December 31, 2025

ProviderMax 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

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