Hillsborough County property record for 3810 Spruce Pine Dr, Valrico, FL 33596
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,286 sqft · built 1993 |
| Lot Size | 0.465 acres (20,241 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $554,900 (Jun 2026) |
| Tax Bill | $5,585 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Mar 2026 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 087538-1160 |
| Primary APN | 087538-1160 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,286 sqft Living Area |
| Gross Area | 3,543 sqft |
| 1st Floor Area | 2,286 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 20,241 sqft (0.465 acres) |
| Lot Dimensions | 163 ft deep x 98.4 ft wide |
| Garage Type | Attached |
| Garage Area | 599 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
| Porch | Open Porch |
| Porch Area | 658 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0875381160 |
|---|---|
| Street Address | 3810 SPRUCE PINE DR |
| City | VALRICO |
| State | FL |
| Zip | 33596-8246 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | RIVER HILLS COUNTRY CLUB PHASE 1B PARCEL 9 LOT 5 BLOCK 13 |
| Legal Range | 21E |
| Legal Township | 30S |
| Legal Section | 09 |
| Legal Subdivision | RIVER HILLS COUNTRY CLUB PHASE 1B PARCEL |
| Legal Tract | 376 |
| Legal Block | 13 |
| Legal Lot Number | 5 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | BRANDON |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 13208 |
Source: Hillsborough County records, as of June 30, 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 | 3810 SPRUCE PINE DR, VALRICO, FL 33596-8246 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 15, 2026 | Warranty Deed, Transfer · VA Mortgage ATLANTIC COAST MORTGAGE |
| Mar 25, 2026 | Warranty Deed, Transfer · Construction Mortgage WHGG II TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 15, 2026 · Amount on Record |
| Deed Sale | Jun 15, 2026 · Amount on Record |
| Prior Sale | Mar 25, 2026 · Amount on Record |
| Deed Document Number | 2026229450 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Jun 15, 2026 |
| Property Address | 3810 SPRUCE PINE DR, VALRICO, FL 33596-8246 |
| Document Number | 0000229450 |
| Instrument Date | Jun 5, 2026 |
| Instrument | 2026229450 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $392,314.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3810 SPRUCE PINE DR, VALRICO, FL 33596-8246 |
| Document Number | 0000229451, |
|---|---|
| Date | Jun 15, 2026 |
| Instrument | 2026229451 |
| Name | ATLANTIC COAST MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Mar 25, 2026 |
| Property Address | 3810 SPRUCE PINE DR, VALRICO, FL 33596-8246 |
| Document Number | 0000115681 |
| Map Reference | MB 71 PG 33 |
| Instrument Date | Mar 19, 2026 |
| Instrument | 2026115681 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2026 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,870.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1337 EVERGREEN ISLES DR, SUN CITY CENTER, FL 33573-7198 |
| Name | Verified Name |
|---|---|
| Address | 433 S FARMER AVE # 500, 500, TEMPE, AZ 85281-2875 |
| Investor | Possibly a Property Investor |
| Document Number | 0000115682 |
|---|---|
| Date | Mar 25, 2026 |
| Instrument | 2026115682 |
| Name | WHGG II TRUST |
|---|---|
| Type | Non-Lending Institution |
| Address | ENCINO, CA 91436 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Hillsborough County assessment roll, as of January 21, 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 |
|---|---|---|---|
| 2025 | $5,585.00 (+8.57%) Homeowner's exemption | $312,600 (+5.99%) | $460,145 (+0.08%) Land $155,628 Building $304,517 |
| 2024 | $5,144.00 (+3.63%) | ||
| 2023 | $4,964.00 (+4.46%) Homeowner's exemption | $294,942 (+3%) | $459,757 (+4.07%) Land $140,065 Building $319,692 |
| 2022 | $4,752.00 Homeowner's exemption | $286,351 | $441,758 Land $140,065 Building $301,693 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 60% of the US · lower than 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 259 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 |
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