Hillsborough County property record for 3906 Cedar Cay Cir, Valrico, FL 33596
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,326 sqft · built 1994 |
| Lot Size | 0.389 acres (16,925 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $4,213 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage Oct 2023 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 087519-0368 |
| Primary APN | 087519-0368 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,326 sqft Living Area |
| Gross Area | 3,395 sqft |
| 1st Floor Area | 2,326 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 16,925 sqft (0.389 acres) |
| Lot Dimensions | 152 ft deep x 82 ft wide |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 560 sqft |
| Porch | Open Porch |
| Porch Area | 445 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0875190368 |
|---|---|
| Street Address | 3906 CEDAR CAY CIR |
| City | VALRICO |
| State | FL |
| Zip | 33596-8222 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | RIVER HILLS COUNTRY CLUB PHASE I LOT 8 BLOCK 6 AND A TRACT DESC AS BEG AT SOUTHERN MOST COR OF LOT 8 BLK 6 THN S 71 DEG 17 MIN 33 SEC W 49.46 FT THN N 18 DEG 42 MIN 27 SEC W 3.64 FT THN N 21 DEG 43 MIN 17 SEC W 22.99 FT THN N 19 DEG 30 MIN 10 SEC W 3 |
| Legal Range | 21E |
| Legal Township | 30S |
| Legal Section | 09 |
| Legal Subdivision | RIVER HILLS COUNTRY CLUB PHASE I |
| Legal Phase | I |
| Legal Tract | 36U |
| Legal Block | 6 |
| Legal Lot Number | 8 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | BRANDON |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 13208 |
3906 Cedar Cay Cir is owned by a company that acquired it in September 2023 and is owner-occupied.
Source: Hillsborough County records, as of September 29, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 3906 CEDAR CAY CIR, VALRICO, FL 33596-8222 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 17, 2023 | Correction Deed ACCOMODATION, ACCOMMODATION |
| Oct 17, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Sep 13, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 13, 2023 |
| Transfer Doc | 0000409226 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 3906 CEDAR CAY CIR, VALRICO, FL 33596-8222 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000353174 |
|---|---|
| Date | Jul 18, 2022 |
| Instrument | 2022353174 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Oct 17, 2023 |
| Property Address | 3906 CEDAR CAY CIR, VALRICO, FL 33596-8222 |
| Document Number | 0000474875 |
| Map Reference | MB 67 PG 7 |
| Instrument Date | Oct 17, 2023 |
| Instrument | 2023474875 |
| Record Updated | Dec 18, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 3906 CEDAR CAY CIR, VALRICO, FL 33596-8222 |
| Name | Verified Name |
|---|---|
| Address | 3906 CEDAR CAY CIR, VALRICO, FL 33596-8222 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Oct 17, 2023 |
| Property Address | 3906 CEDAR CAY CIR, VALRICO, FL 33596-8222 |
| Document Number | 0000475091 |
| Map Reference | MB 40 PG 91 |
| Instrument Date | Oct 16, 2023 |
| Instrument | 2023475091 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6417 WILSHIRE DR, TAMPA, FL 33615-3433 |
| Name | Verified Name |
|---|---|
| Address | 6417 WILSHIRE DR, TAMPA, FL 33615-3433 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Sep 13, 2023 |
| Property Address | 3906 CEDAR CAY CIR, VALRICO, FL 33596-8222 |
| Document Number | 0000409226 |
| Map Reference | MB 67 PG 7 |
| Instrument Date | Sep 13, 2023 |
| Instrument | 2023409226 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3906 CEDAR CAY CIR, VALRICO, FL 33596-8222 |
| Name | Verified Name |
|---|---|
| Address | 3906 CEDAR CAY CIR, VALRICO, FL 33596-8222 |
The 2025 property tax bill for 3906 Cedar Cay Cir was $4,213 with a homeowner's exemption, up 6.9% from the year before.
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 | $247,707 (+2.7%) | $428,088 (+1.7%) Land $149,568 Building $278,520 | |
| 2025 | $4,213.00 (+6.9%) Homeowner's exemption | $241,195 | $420,948 Land $149,568 Building $271,380 |
| 2024 | $3,941.00 (+3.93%) | ||
| 2023 | $3,792.00 (+5.13%) Homeowner's exemption | $227,570 (+3%) | $401,636 (-1.77%) Land $134,611 Building $267,025 |
| 2022 | $3,607.00 Homeowner's exemption | $220,942 | $408,859 Land $134,611 Building $274,248 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3906 Cedar Cay Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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.
Wildfire risk around 3906 Cedar Cay Cir is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 63% of the US · lower than 61% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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