3920 Cedar Cay Cir, Valrico, FL 33596 Property Records

Hillsborough County property record for 3920 Cedar Cay Cir, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,456 sqft · built 1992
Lot Size	0.301 acres (13,110 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Jun 2021)
Tax Bill	$8,538 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`087519-0382`

Property Details

APN / Parcel Number

Primary APN	`087519-0382`
Alternative APN	`U09302136U000006000150`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,456 sqft Living Area
Gross Area	3,657 sqft
1st Floor Area	2,456 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2015
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,110 sqft (0.301 acres)
Lot Dimensions	144 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Pool Area	364 sqft
Porch	Open Porch
Porch Area	537 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0875190382
Street Address	3920 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 15 BLOCK 6
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	15
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	BRANDON
Census Block Group	1
Census Block	1000
Census Tract	13208

Owner

3920 Cedar Cay Cir is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3920 CEDAR CAY CIR, VALRICO, FL 33596-8222
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2021 · Amount on File
Deed Sale	Jun 17, 2021 · Amount on File
Prior Sale	May 13, 2015 · Amount on File
Deed Document Number	2021304590
Record Updated	Oct 29, 2026

June 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jun 17, 2021
Property Address	3920 CEDAR CAY CIR, VALRICO, FL 33596-8222
Document Number	2021304590
Map Reference	MB 67 PG 7
Instrument Date	Jun 8, 2021
Instrument	2021304590
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	GREAT AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 13607, SAINT PETERSBURG, FL 33733-3607

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3920 CEDAR CAY CIR, VALRICO, FL 33596-8222

Mortgage

Document Number	2021304591
Date	Jun 17, 2021
Instrument	2021304591

Lender

Name	THE HOME LOAN EXPERT LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3920 Cedar Cay Cir was $8,538.

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		$428,113 (-1.04%) Land $118,080 Building $310,033	$428,113 (-1.04%) Land $118,080 Building $310,033
2025	$8,538.00	$432,600 Land $118,080 Building $314,520	$432,600 Land $118,080 Building $314,520
2023	$7,588.00 (+14.48%)	$441,536 (+5.15%) Land $106,272 Building $335,264	$441,536 (+5.15%) Land $106,272 Building $335,264
2022	$6,628.00	$419,911 Land $106,272 Building $313,639	$419,911 Land $106,272 Building $313,639

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3920 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	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 3920 Cedar Cay Cir is moderate, ranking above 53% 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 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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.

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 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