Hillsborough County property record for 3812 Spruce Pine Dr, Valrico, FL 33596
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,206 sqft · built 1992 |
| Lot Size | 0.343 acres (14,947 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $290,000 (Sep 2017) |
| Tax Bill | $4,914 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 087538-1162 |
| Primary APN | 087538-1162 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,206 sqft Living Area |
| Gross Area | 3,199 sqft |
| 1st Floor Area | 2,206 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 14,947 sqft (0.343 acres) |
| Lot Dimensions | 144 ft deep x 98 ft wide |
| Garage Type | Attached |
| Garage Area | 540 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 420 sqft |
| Porch | Open Porch |
| Porch Area | 453 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0875381162 |
|---|---|
| Street Address | 3812 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 6 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 | 6 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | BRANDON |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 13208 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3812 SPRUCE PINE DR, VALRICO, FL 33596-8246 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 1, 2017 | Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2017 · Amount on Record |
| Deed Sale | Sep 1, 2017 · Amount on Record |
| Prior Sale | Dec 7, 1999 · Amount on Record |
| Deed Document Number | 2017349717 |
| Deed Book / Page | 25209 / 1615 |
| Prior Transfer Date | Mar 19, 2003 |
| Prior Transfer Doc | 0000157630 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 3812 SPRUCE PINE DR, VALRICO, FL 33596-8246 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3812 SPRUCE PINE DR, VALRICO, FL 33596-8246 |
| Document Number | 2021344419 |
|---|---|
| Date | Jul 9, 2021 |
| Instrument | 2021344419 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 3812 SPRUCE PINE DR, VALRICO, FL 33596-8246 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0271361446 |
|---|---|
| Date | Nov 25, 2019 |
| Book Page | 27136/1446 |
| Instrument | 2019507492 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Sep 1, 2017 |
| Property Address | 3812 SPRUCE PINE DR, VALRICO, FL 33596-8246 |
| Document Number | 0000349717 |
| Book / Page | 25209 / 1615 |
| Map Reference | MB71 PG33 |
| Instrument Date | Aug 31, 2017 |
| Instrument | 2017349717 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,030.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3812 SPRUCE PINE DR, 3812, VALRICO, FL 33596-8246 |
| Name | Verified Name |
|---|---|
| Address | 3812 SPRUCE PINE DR, VALRICO, FL 33596-8246 |
| Document Number | 0000349718 |
|---|---|
| Date | Sep 1, 2017 |
| Instrument | 2017349718 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2047 |
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 | $285,815 (+2.7%) | $380,387 (+1.04%) Land $138,298 Building $242,089 | |
| 2025 | $4,914.00 (+12.84%) Homeowner's exemption | $278,301 (+5.99%) | $376,455 (+5.04%) Land $138,298 Building $238,157 |
| 2023 | $4,355.00 (+4.74%) Homeowner's exemption | $262,581 (+3%) | $358,377 (-1.38%) Land $124,468 Building $233,909 |
| 2022 | $4,158.00 Homeowner's exemption | $254,933 | $363,386 Land $124,468 Building $238,918 |
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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