Hillsborough County property record for 3406 Pine Top Dr, Valrico, FL 33594
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,752 sqft · built 2002 |
| Lot Size | 0.164 acres (7,150 sqft) |
| Owner | Individual Name on File |
| Last Sale | $355,000 (Jun 2023) |
| Tax Bill | $5,592 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Jun 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 085740-1430 |
| Primary APN | 085740-1430 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,752 sqft Living Area |
| Gross Area | 2,636 sqft |
| 1st Floor Area | 672 sqft |
| 2nd Floor Area | 848 sqft |
| Upper Floors Area | 232 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,150 sqft (0.164 acres) |
| Lot Dimensions | 110 ft deep x 65 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened Porch |
| Porch Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0857401430 |
|---|---|
| Street Address | 3406 PINE TOP DR |
| City | VALRICO |
| State | FL |
| Zip | 33594-7618 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | SOMERSET TRACT B LOT 45 BLOCK B |
| Legal Range | 21E |
| Legal Township | 29S |
| Legal Section | 20 |
| Legal Subdivision | SOMERSET TRACT B |
| Legal Tract | B |
| Legal Block | B |
| Legal Lot Number | 45 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | BRANDON |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 12209 |
3406 Pine Top Dr is owned and occupied by an individual who bought it in June 2023.
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 3406 PINE TOP DR, VALRICO, FL 33594-7618 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 20, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 6, 2023 | Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 6, 2023 · Amount on File |
| Deed Sale | Jun 6, 2023 · Amount on File |
| Prior Sale | Jun 6, 2016 · Amount on File |
| Deed Document Number | 2023243899 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 3406 PINE TOP DR, VALRICO, FL 33594-7618 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000543099 |
|---|---|
| Date | Dec 20, 2020 |
| Instrument | 2020543099 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 307 Months |
| Due | Jul 1, 2046 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Jun 6, 2023 |
| Property Address | 3406 PINE TOP DR, VALRICO, FL 33594-7618 |
| Document Number | 0000243899 |
| Map Reference | MB 89 PG 26 |
| Instrument Date | May 31, 2023 |
| Instrument | 2023243899 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | HILLSBOROUGH TITLE III LLC, HILLSBOROUGH TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,485.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12512 LAKE VISTA DR, GIBSONTON, FL 33534-3928 |
| Name | Verified Name |
|---|---|
| Address | 3406 PINE TOP DR, VALRICO, FL 33594-7618 |
| Document Number | 0000243900 |
|---|---|
| Date | Jun 6, 2023 |
| Instrument | 2023243900 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
The 2025 property tax bill for 3406 Pine Top Dr was $5,592 with a homeowner's exemption.
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 | $294,677 (-5.38%) Land $90,162 Building $204,515 | $294,677 (-5.38%) Land $90,162 Building $204,515 | |
| 2025 | $5,592.00 Homeowner's exemption | $311,447 Land $90,162 Building $221,285 | $311,447 Land $90,162 Building $221,285 |
| 2023 | $2,848.00 (-37.1%) Homeowner's exemption | $167,619 (+3%) | $294,488 (+4.42%) Land $90,162 Building $204,326 |
| 2022 | $4,528.00 Homeowner's exemption | $162,737 | $282,019 Land $76,290 Building $205,729 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 3406 Pine Top Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2014.
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 30 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 30 in force |
| Nearby Flood Claims | 4 (2014–2024) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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 3406 Pine Top Dr is moderate, ranking above 50% 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 50% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 318 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (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 Fixed Wireless | 100 / 20 |
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