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3818 Spruce Pine Dr, Valrico, FL 33596 Property Records

Hillsborough County property record for 3818 Spruce Pine Dr, Valrico, FL 33596

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,609 sqft · built 1995
Lot Size0.29 acres (12,672 sqft)
OwnerIndividual Name on Record
Last Sale$625,000 (Oct 2021)
Tax Bill$9,040 (2025)
Deeds & MortgagesOct 2021 Sale & Mortgage
Jan 2021 Line of Credit
+ 1 more
Flood ZoneZone X (minimal risk)
APN0875381168

Property Details

APN / Parcel Number

Primary APN0875381168
Alternative APN
  • U093021376000013000090

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,609 sqft Heated Area
1st Floor Area2,609 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 2015
Architectural StyleContemporary
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,672 sqft (0.29 acres)
Lot Dimensions128 ft deep x 99 ft wide
View / LotGolf Course
Garage Area628 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypePool with Hot Tub/Spa
Pool Area312 sqft
PorchOpen Porch
Porch Area552 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelElectric

Location & Zoning

Account Number0875381168
Street Address3818 SPRUCE PINE DR
CityVALRICO
StateFL
Zip33596-8246
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePD
Legal DescriptionRIVER HILLS COUNTRY CLUB PHASE 1B PARCEL 9 LOT 9 BLOCK 13
Legal Range21E
Legal Township30S
Legal Section09
Legal SubdivisionRIVER HILLS COUNTRY CLUB PH 1B PARCEL 9
Legal Tract376
Legal Block13
Legal Lot Number9
JurisdictionHILLSBOROUGH FL
Township / Civil DivisionBRANDON
Census Block Group1
Census Block1000
Census Tract13208

Owner

Source: Hillsborough County records, as of December 17, 2025

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address3818 SPRUCE PINE DR, VALRICO, FL 33596-8246
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 14, 2021Warranty Deed, Transfer · Conventional Mortgage
CROSSCOUNTRY MORTGAGE LLC
Jan 11, 2021Deed of Trust, Mortgage · Line of Credit
SUNCOAST CU
Jun 3, 2020Deed of Trust, Mortgage · Conventional Mortgage
SUNCOAST CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 14, 2021 · Amount on Record
Deed SaleOct 14, 2021 · Amount on Record
Prior SaleOct 18, 2013 · Amount on Record
Deed Document Number2021520223
Record UpdatedJun 8, 2026

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateOct 14, 2021
Property Address3818 SPRUCE PINE DR, VALRICO, FL 33596-8246
Document Number2021520223
Map ReferenceMB 71 PG 33
Instrument DateSep 30, 2021
Instrument2021520223
Transaction TypeTransfer
Record UpdatedNov 9, 2021
Title CompanyEXECUTIVE TITLE, EXECUTIVE TITLE OF FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,375.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3402 HIGHTRAIL LN, 3402, GARLAND, TX 75043-1413

Transferred To (Grantee/Buyer)

NameVerified Name
Address3818 SPRUCE PINE DR, VALRICO, FL 33596-8246

Mortgage

Document Number2021520224
DateOct 14, 2021
Instrument2021520224
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2051

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHILLSBOROUGH FL
Property Address3818 SPRUCE PINE DR, VALRICO, FL 33596-8246
Document Number0000039710
Instrument DateJan 11, 2021
Transaction TypeMortgage
Record UpdatedFeb 12, 2021
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3818 SPRUCE PINE DR VALRICO FL 335968246, VALRICO, FL 33596-8246

Mortgage

Document Number0000039710
DateJan 26, 2021
Instrument39710
Lender
NameSUNCOAST CU
AddressTAMPA, FL 33680
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueJan 25, 2046
Interest
Rate TypeAdjustable Rate

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHILLSBOROUGH FL
Property Address3818 SPRUCE PINE DR, VALRICO, FL 33596-8246
Document Number0000237920
Instrument DateJun 3, 2020
Transaction TypeMortgage
Record UpdatedJul 2, 2020
Title CompanyBROKERS TITLE/TAMPA LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3818 SPRUCE PINE DR VALRICO FL 335968246, VALRICO, FL 33596-8246

Mortgage

Document Number0000237920
DateJun 11, 2020
Instrument237920
Lender
NameSUNCOAST CU
AddressTAMPA, FL 33610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueJun 10, 2040

Tax Assessment & Valuation

Source: Hillsborough County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHillsborough County
Unified School DistrictHillsborough County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,040.00 (+6.6%) Homeowner's exemption$501,888 (+0.96%) Land $152,064 Building $349,824$501,888 (-1.4%) Land $152,064 Building $349,824
2023$8,480.00 (+3.57%) Homeowner's exemption$497,140 (+3%)$508,999 (+5.46%) Land $136,858 Building $372,141
2022$8,188.00 Homeowner's exemption$482,660 Land $136,858 Building $345,802$482,660 Land $136,858 Building $345,802

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard AreaZone A, within 100 ft
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 53% of the US · lower than 76% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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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