Hillsborough County property record for 3907 Cedar Cay Cir, Valrico, FL 33596
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,617 sqft · built 1992 |
| Lot Size | 0.266 acres (11,599 sqft) |
| Owner | Individual Name on File |
| Last Sale | $620,000 (Sep 2022) |
| Tax Bill | $6,971 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Mar 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 087519-0410 |
| Primary APN | 087519-0410 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,617 sqft Living Area |
| Gross Area | 3,353 sqft |
| 1st Floor Area | 2,617 sqft |
| Flooring | Wood |
| 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 | 11,599 sqft (0.266 acres) |
| Lot Dimensions | 128 ft deep x 95 ft wide |
| Garage Type | Attached |
| Garage Area | 700 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 360 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 36 sqft |
| Deck Area | Deck Area |
| Patio Area | 638 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0875190410 |
|---|---|
| Street Address | 3907 CEDAR CAY CIR |
| City | VALRICO |
| State | FL |
| Zip | 33596-8223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | RIVER HILLS COUNTRY CLUB PHASE I LOT 1 BLOCK 7 |
| 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 | 7 |
| Legal Lot Number | 1 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | BRANDON |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 13208 |
3907 Cedar Cay Cir is owned and occupied by an individual who bought it in September 2022.
Source: Hillsborough County records, as of September 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3907 CEDAR CAY CIR, VALRICO, FL 33596-8223 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Sep 15, 2022 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Mar 28, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Aug 9, 2019 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Feb 7, 2019 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Feb 5, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 15, 2022 · Amount on File |
| Deed Sale | Sep 15, 2022 · Amount on File |
| Deed Document Number | 2022452817 |
| Prior Transfer Date | May 5, 2005 |
| Prior Transfer Doc | 0000207416 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Sep 15, 2022 |
| Property Address | 3907 CEDAR CAY CIR, VALRICO, FL 33596-8223 |
| Document Number | 0000452817 |
| Map Reference | MB 67 PG 7 |
| Instrument Date | Sep 8, 2022 |
| Instrument | 2022452817 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2022 |
| Title Company | EXECUTIVE TITLE, EXECUTIVE TITLE OF FL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,340.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5225 WINDY GROVE DR, 5225, WIMAUMA, FL 33598-2241 |
| Name | Verified Name |
|---|---|
| Address | 3907 CEDAR CAY CIR, VALRICO, FL 33596-8223 |
| Document Number | 0000452818 |
|---|---|
| Date | Sep 15, 2022 |
| Instrument | 2022452818 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 3907 CEDAR CAY CIR, VALRICO, FL 33596-8223 |
| Document Number | 0000142460 |
| Instrument Date | Mar 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3907 CEDAR CAY CIR VALRICO FL 335968223, VALRICO, FL 33596-8223 |
| Document Number | 0000142460 |
|---|---|
| Date | Apr 2, 2020 |
| Instrument | 142460 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Apr 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 3907 CEDAR CAY CIR, VALRICO, FL 33596-8223 |
| Document Number | 0268741408 |
| Instrument Date | Aug 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 3907 CEDAR CAY CIR VALRICO FL 335968223, VALRICO, FL 33596-8223 |
| Document Number | 0268741408 |
|---|---|
| Date | Aug 16, 2019 |
| Book Page | 026874/001408 |
| Instrument | 353513 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 15, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 3907 CEDAR CAY CIR, VALRICO, FL 33596-8223 |
| Document Number | 0264080208 |
| Instrument Date | Feb 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 3907 CEDAR CAY CIR VALRICO FL 335968223, VALRICO, FL 33596-8223 |
| Document Number | 0264080208 |
|---|---|
| Date | Feb 18, 2019 |
| Book Page | 026408/000208 |
| Instrument | 72390 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 17, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 3907 CEDAR CAY CIR, VALRICO, FL 33596-8223 |
| Document Number | 0255590214 |
| Book / Page | 025559 / 000214 |
| Instrument Date | Feb 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2018 |
| Name | Verified Name |
|---|---|
| Address | 3907 CEDAR CAY CIR VALRICO FL 335968223, VALRICO, FL 33596-8223 |
| Document Number | 0255590214 |
|---|---|
| Date | Feb 14, 2018 |
| Book Page | 025559/000214 |
| Instrument | 61546 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 13, 2038 |
The 2025 property tax bill for 3907 Cedar Cay Cir was $6,971 with a homeowner's exemption.
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 | $397,852 (+1.1%) Land $109,440 Building $288,412 | $397,852 (+1.1%) Land $109,440 Building $288,412 | |
| 2025 | $6,971.00 Homeowner's exemption Widower's exemption | $393,516 Land $109,440 Building $284,076 | $393,516 Land $109,440 Building $284,076 |
| 2023 | $6,305.00 (+84.14%) Homeowner's exemption Widower's exemption | $377,069 (+79.12%) Land $98,496 Building $278,573 | $377,069 (+2.24%) Land $98,496 Building $278,573 |
| 2022 | $3,424.00 Homeowner's exemption | $210,510 | $368,819 Land $98,496 Building $270,323 |
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.
FEMA maps place 3907 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 3907 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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