Hillsborough County property record for 3512 Stearns Rd, Valrico, FL 33596
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,570 sqft · built 1986 |
| Lot Size | 1.15 acres (50,163 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,008 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit Sep 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 087434-0100 |
| Primary APN | 087434-0100 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,570 sqft Living Area |
| Gross Area | 3,622 sqft |
| 1st Floor Area | 2,570 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 50,163 sqft |
| Lot Dimensions | 305 ft deep x 165 ft wide |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened Porch |
| Porch Area | 500 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0874340100 |
|---|---|
| Street Address | 3512 STEARNS RD |
| City | VALRICO |
| State | FL |
| Zip | 33596-6467 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AS-1 |
| Legal Description | E 165 FT OF W 492 FT OF S 1/2 OF SW 1/4 OF NW 1/4 OF NE 1/4 LESS R/W FOR STEARNS RD |
| Legal Range | 21E |
| Legal Township | 30S |
| Legal Section | 08 |
| Legal Subdivision | UNPLATTED |
| Legal Tract | ZZZ |
| Legal Block | 4 |
| Legal Lot Number | 30460 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | BRANDON |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 13208 |
Source: Hillsborough County records, as of September 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3512 STEARNS RD, VALRICO, FL 33596-6467 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 28, 2022 | Deed of Trust, Mortgage · Line of Credit TRAX FCU |
| Sep 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Aug 24, 2020 | Deed of Trust, Mortgage · Line of Credit RAILROAD & IND'L FCU |
| Feb 14, 2020 | Deed of Trust, Mortgage · Line of Credit RAILROAD & IND'L FCU |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 3512 STEARNS RD, VALRICO, FL 33596-6467 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3512 STEARNS RD, VALRICO, FL 33596-6467 |
| Document Number | 0000158458 |
|---|---|
| Date | Mar 28, 2022 |
| Instrument | 2022158458 |
| Name | TRAX FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33619 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 27, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 3512 STEARNS RD, VALRICO, FL 33596-6467 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Title Company | TALON TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 3512 STEARNS RD, VALRICO, FL 33596-6467 |
| Document Number | 0000480678 |
|---|---|
| Date | Sep 23, 2021 |
| Instrument | 2021480678 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 3512 STEARNS RD, VALRICO, FL 33596-6467 |
| Document Number | 0000358884 |
| Instrument Date | Aug 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3512 STEARNS RD VALRICO FL 335966467, VALRICO, FL 33596-6467 |
| Document Number | 0000358884 |
|---|---|
| Date | Sep 1, 2020 |
| Instrument | 358884 |
| Name | RAILROAD & IND'L FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33619 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 31, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 3512 STEARNS RD, VALRICO, FL 33596-6467 |
| Document Number | 0000086241 |
| Instrument Date | Feb 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3512 STEARNS RD VALRICO FL 335966467, VALRICO, FL 33596-6467 |
| Document Number | 0000086241 |
|---|---|
| Date | Mar 5, 2020 |
| Instrument | 86241 |
| Name | RAILROAD & IND'L FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33619 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 4, 2050 |
| Rate Type | Adjustable Rate |
|---|
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 | $176,000 (+2.7%) | $359,703 (+2.25%) Land $131,589 Building $228,114 | |
| 2025 | $3,008.00 (+13.64%) Homeowner's exemption | $171,373 (+5.99%) | $351,799 (+7.06%) Land $120,146 Building $231,653 |
| 2023 | $2,647.00 (+6.43%) Homeowner's exemption | $161,692 (+3%) | $328,588 (+7.17%) Land $102,982 Building $225,606 |
| 2022 | $2,487.00 Homeowner's exemption | $156,983 | $306,592 Land $85,819 Building $220,773 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 85% 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures