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3824 Spruce Pine Dr, Valrico, FL 33596 Property Records

Hillsborough County property record for 3824 Spruce Pine Dr, Valrico, FL 33596

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,814 sqft · built 1993
Lot Size0.308 acres (13,440 sqft)
OwnerIndividual Name on Record
Last Sale$700,000 (Jul 2023)
Tax Bill$8,999 (2025)
Deeds & MortgagesJul 2023 Sale & Mortgage
Jul 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN0875381174

Property Details

APN / Parcel Number

Primary APN0875381174
Alternative APN
  • U093021376000013000120

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,814 sqft Heated Area
1st Floor Area2,814 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 2009
Architectural StyleContemporary
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area13,440 sqft (0.308 acres)
Lot Dimensions128 ft deep x 105 ft wide
View / LotGolf Course
Garage Area641 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area448 sqft
PorchOpen Porch
Porch Area340 sqft
Patio Area842 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelElectric

Location & Zoning

Account Number0875381174
Street Address3824 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 12 BLOCK 13
Legal Range21E
Legal Township30S
Legal Section09
Legal SubdivisionRIVER HILLS COUNTRY CLUB PH 1B PARCEL 9
Legal Tract376
Legal Block13
Legal Lot Number12
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 Address3824 SPRUCE PINE DR, VALRICO, FL 33596-8246
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 6, 2023Warranty Deed, Transfer · VA Mortgage
ATLANTIC COAST MORTGAGE
Jul 20, 2020Deed of Trust, Mortgage · VA Mortgage
FREEDOM MTG
Nov 14, 2017Warranty Deed, Transfer · VA Mortgage
PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 6, 2023 · Amount on Record
Deed SaleJul 6, 2023 · Amount on Record
Prior SaleNov 14, 2017 · Amount on Record
Deed Document Number2023294947
Record UpdatedJun 8, 2026

July 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateJul 6, 2023
Property Address3824 SPRUCE PINE DR, VALRICO, FL 33596-8246
Document Number0000294947
Map ReferenceMB 71 PG 33
Instrument DateJun 30, 2023
Instrument2023294947
Transaction TypeTransfer
Record UpdatedJul 26, 2023
Title CompanyALL AMER TTL INS AGCY INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$4,900.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3114 RIDGEMOOR CT, PROSPECT, KY 40059-8112

Transferred To (Grantee/Buyer)

NameVerified Name
Address3824 SPRUCE PINE DR, VALRICO, FL 33596-8246

Mortgage

Document Number0000294948
DateJul 6, 2023
Instrument2023294948
Lender
NameATLANTIC COAST MORTGAGE
TypeMortgage Company
AddressFAIRFAX, VA 22030
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2053

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHILLSBOROUGH FL
Property Address3824 SPRUCE PINE DR, VALRICO, FL 33596-8246
Document Number0000316354
Instrument DateJul 20, 2020
Transaction TypeMortgage
Record UpdatedAug 31, 2020
Title CompanyINSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3824 SPRUCE PINE DR VALRICO FL 335968246, VALRICO, FL 33596-8246

Mortgage

Document Number0000316354
DateAug 4, 2020
Instrument316354
Lender
NameFREEDOM MTG
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term324 Months
DueAug 3, 2047

November 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateNov 14, 2017
Property Address3824 SPRUCE PINE DR, VALRICO, FL 33596-8246
Document Number0253640020
Book / Page025364 / 000020
Instrument DateNov 7, 2017
Instrument442830
Transaction TypeTransfer
Record UpdatedNov 23, 2017
Title CompanyHILLSBOROUGH TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,835.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3824 SPRUCE PINE DR VALRICO FL 335968246, VALRICO, FL 33596-8246

Mortgage

Document Number253640025
DateNov 14, 2017
Book Page025364/000025
Instrument442833
Lender
NamePRIVATE INDIVIDUAL
TypePrivate Party
AddressGULF BREEZE, FL 32561
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 13, 2047

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$8,999.00 (+50.74%) Homeowner's exemption$499,644 (+41.63%) Land $159,667 Building $339,977$499,644 (+1.64%) Land $159,667 Building $339,977
2023$5,970.00 (+4.12%) Homeowner's exemption$352,770 (+3%)$491,568 (+4.14%) Land $143,700 Building $347,868
2022$5,734.00 Homeowner's exemption$342,495$472,043 Land $143,700 Building $328,343

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
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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