Hillsborough County property record for 3521 Pine Top Dr, Valrico, FL 33594
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,929 sqft · built 2003 |
| Lot Size | 0.164 acres (7,160 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $154,000 (May 2003) |
| Tax Bill | $3,563 (2025) |
| Deeds & Mortgages | Nov 2019 Loan Modification Nov 2018 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 085740-1384 |
| Primary APN | 085740-1384 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,929 sqft Living Area |
| Gross Area | 2,746 sqft |
| 1st Floor Area | 1,929 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,160 sqft (0.164 acres) |
| Lot Dimensions | 95 ft deep x 65 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 397 sqft |
| Patio Area | 230 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0857401384 |
|---|---|
| Street Address | 3521 PINE TOP DR |
| City | VALRICO |
| State | FL |
| Zip | 33594-7622 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | SOMERSET TRACT B LOT 22 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 | 22 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | BRANDON |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 12209 |
3521 Pine Top Dr is owned and occupied by two individuals who bought it in May 2003.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3521 PINE TOP DR, VALRICO, FL 33594-7622 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 15, 2019 | Loan Modification, Mortgage · Conventional Mortgage WAUCHULA ST BK |
| Nov 1, 2018 | Loan Modification, Mortgage · Conventional Mortgage WAUCHULA ST BK |
| Nov 15, 2017 | Loan Modification, Mortgage · Conventional Mortgage WAUCHULA ST BK |
| Nov 15, 2016 | Loan Modification, Mortgage · Conventional Mortgage WAUCHULA ST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 20, 2003 · Amount on File |
| Deed Sale | May 20, 2003 · Amount on File |
| Deed Document Number | 2003197836 |
| Deed Book / Page | 12661 / 1443 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 3521 PINE TOP DR, VALRICO, FL 33594-7622 |
| Document Number | 0272401909 |
| Instrument Date | Nov 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3521 PINE TOP DR VALRICO FL 335947622, VALRICO, FL 33594-7622 |
| Document Number | 0272401909 |
|---|---|
| Date | Jan 6, 2020 |
| Book Page | 027240/001909 |
| Instrument | 7692 |
| Name | WAUCHULA ST BK |
|---|---|
| Type | Bank |
| Address | BOWLING GREEN, FL 33834 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jan 5, 2021 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 3521 PINE TOP DR, VALRICO, FL 33594-7622 |
| Document Number | 0262850305 |
| Instrument Date | Nov 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3521 PINE TOP DR VALRICO FL 335947622, VALRICO, FL 33594-7622 |
| Document Number | 0262850305 |
|---|---|
| Date | Dec 20, 2018 |
| Book Page | 026285/000305 |
| Instrument | 508476 |
| Name | WAUCHULA ST BK |
|---|---|
| Type | Bank |
| Address | BOWLING GREEN, FL 33834 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Dec 19, 2019 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 3521 PINE TOP DR, VALRICO, FL 33594-7622 |
| Document Number | 0254871617 |
| Book / Page | 025487 / 001617 |
| Instrument Date | Nov 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3521 PINE TOP DR VALRICO FL 335947622, VALRICO, FL 33594-7622 |
| Document Number | 0254871617 |
|---|---|
| Date | Jan 10, 2018 |
| Book Page | 025487/001617 |
| Instrument | 15136 |
| Name | WAUCHULA ST BK |
|---|---|
| Type | Bank |
| Address | BOWLING GREEN, FL 33834 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jan 9, 2019 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 3521 PINE TOP DR, VALRICO, FL 33594-7622 |
| Document Number | 0246471907 |
| Book / Page | 024647 / 001907 |
| Instrument Date | Nov 15, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3521 PINE TOP DR VALRICO FL 335947622, VALRICO, FL 33594-7622 |
| Document Number | 0246471907 |
|---|---|
| Date | Jan 6, 2017 |
| Book Page | 024647/001907 |
| Instrument | 7654 |
| Name | WAUCHULA ST BK |
|---|---|
| Type | Bank |
| Address | BOWLING GREEN, FL 33834 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jan 5, 2018 |
The 2025 property tax bill for 3521 Pine Top Dr was $3,563 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 | $203,494 (+2.7%) | $301,557 (-5.69%) Land $79,472 Building $222,085 | |
| 2025 | $3,563.00 Homeowner's exemption | $198,144 | $319,756 Land $79,472 Building $240,284 |
| 2023 | $3,223.00 (+5.95%) Homeowner's exemption | $186,951 (+3%) | $303,698 (+4.35%) Land $79,472 Building $224,226 |
| 2022 | $3,042.00 Homeowner's exemption | $181,506 | $291,042 Land $67,246 Building $223,796 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3521 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 3521 Pine Top Dr is high, ranking above 71% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · above 53% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% 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 21 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 |
| AT&T Fixed Wireless | 100 / 20 |
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