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3706 Spruce Pine Dr, Valrico, FL 33596 Property Records

Hillsborough County property record for 3706 Spruce Pine Dr, Valrico, FL 33596

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,974 sqft · built 1993
Lot Size0.392 acres (17,089 sqft)
Owner2 Individual Names on Record
Last Sale$715,000 (May 2024)
Tax Bill$9,179 (2025)
Deeds & MortgagesMay 2024 Sale & Mortgage
Oct 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN087538-1190

Property Details

APN / Parcel Number

Primary APN087538-1190
Alternative APN
  • U093021376000013000200

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,974 sqft Living Area
Gross Area3,966 sqft
1st Floor Area2,974 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 2015
Architectural StyleContemporary
Exterior MaterialBrick/Stone
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area17,089 sqft (0.392 acres)
Lot Dimensions125 ft deep x 109 ft wide
Garage TypeAttached
Garage Area528 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeSpa / Hot Tub (No Pool)
Pool Area48 sqft
PorchOpen Porch
Porch Area464 sqft
Deck AreaDeck Area
Patio Area750 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number0875381190
Street Address3706 SPRUCE PINE DR
CityVALRICO
StateFL
Zip33596-8244
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePD
Legal DescriptionRIVER HILLS COUNTRY CLUB PHASE 1B PARCEL 9 LOT 20 BLOCK 13
Legal Range21E
Legal Township30S
Legal Section09
Legal SubdivisionRIVER HILLS COUNTRY CLUB PHASE 1B PARCEL
Legal Tract376
Legal Block13
Legal Lot Number20
JurisdictionHILLSBOROUGH FL
Township / Civil DivisionBRANDON
Census Block Group1
Census Block1000
Census Tract13208

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address3706 SPRUCE PINE DR, VALRICO, FL 33596-8244
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 1, 2024Warranty Deed, Transfer · Conventional Mortgage
OPTIMUM FIRST INC
Oct 17, 2022Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 1, 2024 · Amount on Record
Deed SaleMay 1, 2024 · Amount on Record
Prior SaleOct 17, 2022 · Amount on Record
Deed Document Number2024175591
Record UpdatedOct 29, 2026

May 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateMay 1, 2024
Property Address3706 SPRUCE PINE DR, VALRICO, FL 33596-8244
Document Number0000175591
Map ReferenceMB 71 PG 33
Instrument DateApr 24, 2024
Instrument2024175591
Transaction TypeTransfer
Record UpdatedMay 22, 2024
Title CompanyEXECUTIVE TITLE, EXECUTIVE TITLE OF FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,005.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address747 N WABASH AVE APT 1909, 1909, CHICAGO, IL 60611-2277

Transferred To (Grantee/Buyer)

NameVerified Name
Address3706 SPRUCE PINE DR, VALRICO, FL 33596-8244

Mortgage

Document Number0000175592
DateMay 1, 2024
Instrument2024175592
Lender
NameOPTIMUM FIRST INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 1, 2054

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateOct 17, 2022
Property Address3706 SPRUCE PINE DR, VALRICO, FL 33596-8244
Document Number0000493192
Map ReferenceMB 71 PG 33
Instrument DateOct 7, 2022
Instrument2022493192
Transaction TypeTransfer
Record UpdatedNov 1, 2022
Title CompanyEXECUTIVE TITLE, EXECUTIVE TITLE OF FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,459.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address13932 SPECTOR RD APT 409, 13932, LITHIA, FL 33547-4178

Transferred To (Grantee/Buyer)

NameVerified Name
Address3706 SPRUCE PINE DR, VALRICO, FL 33596-8244

Mortgage

Document Number0000493193
DateOct 17, 2022
Instrument2022493193
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2052

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$498,459 (-2.17%) Land $134,888 Building $363,571$498,459 (-2.17%) Land $134,888 Building $363,571
2025$9,179.00 (+10.62%) Homeowner's exemption$509,517 (+4.69%) Land $134,888 Building $374,629$509,517 (+4.69%) Land $134,888 Building $374,629
2023$8,298.00 (+103.58%) Homeowner's exemption$486,675 (+96.44%) Land $121,399 Building $365,276$486,675 (+12.62%) Land $121,399 Building $365,276
2022$4,076.00 Homeowner's exemption$247,751$432,152 Land $121,399 Building $310,753

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.

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
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 48 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies48 in force
Nearby Flood Claims12 (1997–2024)
Claims Outside the SFHA1 of 12
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 6 claims
  • Hurricane Irma, Sep 2017 · 3 claims

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 60% of the US · lower than 65% of Florida
Wildfire Likelihood0.2% 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 259 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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