3909 Stearns Rd, Valrico, FL 33596 Property Records

Hillsborough County property record for 3909 Stearns Rd, Valrico, FL 33596

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 1,152 sqft · built 2005
Lot Size	1.96 acres (85,553 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (May 2026)
Tax Bill	$2,110 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`087441-0600`

Property Details

APN / Parcel Number

Primary APN	`087441-0600`
Alternative APN	`U083021ZZZ000004307000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	85,553 sqft
Garage Type	Carport
Garage Area	320 sqft
Carport	Carport
Carport Area	320 sqft
Deck Area	Deck Area
Patio Area	172 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0874410600
Street Address	3909 STEARNS RD
City	VALRICO
State	FL
Zip	33596-8412
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	AS-1
Legal Description	LOT BEG 150 FT E OF NW COR OF SE 1/4 OF NE 1/4 AND RUN E 150 FT S 619.85 FT W 150.34 FT AND N 620.10 FT TO POB
Legal Range	21E
Legal Township	30S
Legal Section	08
Legal Subdivision	UNPLATTED
Legal Tract	ZZZ
Legal Block	4
Legal Lot Number	30700
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	BRANDON
Census Block Group	1
Census Block	1007
Census Tract	13208

Owner

3909 Stearns Rd, a mobile home, is owned and occupied by two individuals who bought it in May 2026.

Source: Hillsborough County records, as of September 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3909 STEARNS RD, VALRICO, FL 33596-8412
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2026 · Amount on File
Deed Sale	May 29, 2026 · Amount on File
Deed Document Number	2026205551
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	May 29, 2026
Property Address	3909 STEARNS RD, VALRICO, FL 33596-8412
Document Number	0000205551
Instrument Date	May 29, 2026
Instrument	2026205551
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$272,195.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3909 STEARNS RD, VALRICO, FL 33596-8412

Mortgage

Document Number	0000205552,
Date	May 29, 2026
Instrument	2026205552

Lender

Name	AMERICAN FINANCIAL SERVICES INC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 3909 Stearns Rd was $2,110.

Source: Hillsborough County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Hillsborough County
Unified School District	Hillsborough County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$284,172 (+122.25%) Land $232,564 Building $51,608	$284,172 (+6.62%) Land $232,564 Building $51,608
2025	$2,110.00 Homeowner's exemption	$127,864	$266,535 Land $212,342 Building $54,193
2023	$1,829.00 (+8.16%) Homeowner's exemption	$120,641 (+3%)	$237,570 (+13.67%) Land $182,007 Building $55,563
2022	$1,691.00 Homeowner's exemption	$117,127	$209,000 Land $151,672 Building $57,328

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

FEMA maps place 3909 Stearns Rd in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1997.

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
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	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

Wildfire risk around 3909 Stearns Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 167 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
AT&T Fixed Wireless	100 / 20