Hillsborough County property record for 3828 Harrogate Dr, Valrico, FL 33596
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,286 sqft · built 1992 |
| Lot Size | 0.335 acres (14,599 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $140,000 (Jun 2000) |
| Tax Bill | $3,333 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Jun 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 087498-7528 |
| Primary APN | 087498-7528 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,286 sqft Living Area |
| Gross Area | 3,132 sqft |
| 1st Floor Area | 2,286 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 | 14,599 sqft (0.335 acres) |
| Lot Dimensions | 161 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 426 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0874987528 |
|---|---|
| Street Address | 3828 HARROGATE DR |
| City | VALRICO |
| State | FL |
| Zip | 33596-6489 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | LITHIA RIDGE PHASE I LOT 14 BLOCK 1 |
| Legal Range | 21E |
| Legal Township | 30S |
| Legal Section | 08 |
| Legal Subdivision | LITHIA RIDGE PHASE I |
| Legal Phase | I |
| Legal Tract | 36R |
| Legal Block | 1 |
| Legal Lot Number | 14 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | BRANDON |
| Census Block Group | 1 |
| Census Block | 1007 |
| 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 Company Names on Record |
|---|---|
| Mailing Address | 3828 HARROGATE DR, VALRICO, FL 33596-6489 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| May 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU |
| Jun 25, 2019 | Deed of Trust, Mortgage · Line of Credit UNIVEST BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 5, 2000 · Amount on Record |
| Deed Sale | Jun 5, 2000 · Amount on Record |
| Deed Book / Page | 10212 / 1114 |
| Last Transfer Date | Nov 21, 2024 |
| Transfer Doc | 0000487794 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 3828 HARROGATE DR, VALRICO, FL 33596-6489 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 3828 HARROGATE DR, VALRICO, FL 33596-6489 |
| Document Number | 2021250221 |
|---|---|
| Date | May 18, 2021 |
| Instrument | 2021250221 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 3828 HARROGATE DR, VALRICO, FL 33596-6489 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0267311746 |
|---|---|
| Date | Jun 25, 2019 |
| Book Page | 26731/1746 |
| Instrument | 2019269449 |
| Name | UNIVEST BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | ALEXANDRIA, VA 22313 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 5, 2039 |
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 | $190,574 (+2.7%) | $360,992 (+1.11%) Land $142,002 Building $218,990 | |
| 2025 | $3,333.00 (+14.22%) Homeowner's exemption | $185,564 (+5.99%) | $357,042 (+5.58%) Land $142,002 Building $215,040 |
| 2023 | $2,918.00 (+6.19%) Homeowner's exemption | $175,082 (+3%) | $338,186 (-1.13%) Land $127,802 Building $210,384 |
| 2022 | $2,748.00 Homeowner's exemption | $169,983 | $342,063 Land $127,802 Building $214,261 |
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 AE, 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 | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 131 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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