3944 Cedar Cay Cir, Valrico, FL 33596 Property Records

Hillsborough County property record for 3944 Cedar Cay Cir, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,192 sqft · built 1990
Lot Size	0.302 acres (13,173 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Nov 2023)
Tax Bill	$7,001 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`087519-0406`

Property Details

APN / Parcel Number

Primary APN	`087519-0406`
Alternative APN	`U09302136U000006000270`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,192 sqft Living Area
Gross Area	3,039 sqft
1st Floor Area	2,192 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2014
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,173 sqft (0.302 acres)
Lot Dimensions	145 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	400 sqft
Porch	Open Porch
Porch Area	407 sqft
Deck Area	Deck Area
Patio Area	1,064 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0875190406
Street Address	3944 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 27 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	27
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	BRANDON
Census Block Group	1
Census Block	1000
Census Tract	13208

Owner

3944 Cedar Cay Cir is owned and occupied by two individuals who bought it in November 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	3944 CEDAR CAY CIR, VALRICO, FL 33596-8222
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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	Nov 21, 2023 · Amount on File
Deed Sale	Nov 21, 2023 · Amount on File
Deed Document Number	2023531260
Prior Transfer Date	Apr 30, 2013
Prior Transfer Doc	0219310803
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Nov 21, 2023
Property Address	3944 CEDAR CAY CIR, VALRICO, FL 33596-8222
Document Number	0000531260
Map Reference	MB 67 PG 7
Instrument Date	Nov 13, 2023
Instrument	2023531260
Transaction Type	Transfer
Record Updated	Dec 18, 2023
Title Company	ADVANTAGE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,395.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1010 AMERICAN EAGLE BLVD APT 350, 350, SUN CITY CENTER, FL 33573-5276

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3944 CEDAR CAY CIR, VALRICO, FL 33596-8222

Mortgage

Document Number	0000531261
Date	Nov 21, 2023
Instrument	2023531261

Lender

Name	MORTGAGE EQUITY PARTNERS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 3944 Cedar Cay Cir was $7,001 with a homeowner's exemption, down 5.2% from the year before.

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		$396,169 (+0.89%) Land $120,350 Building $275,819	$396,169 (+0.89%) Land $120,350 Building $275,819
2025	$7,001.00 (-5.19%) Homeowner's exemption	$392,658 Land $120,350 Building $272,308	$392,658 Land $120,350 Building $272,308
2024	$7,384.00 (+1,438.33%)
2023	$480.00 (+2%) Disabled Person's exemption Veteran's exemption	$211,085 (+3%)	$356,871 (-2.09%) Land $108,315 Building $248,556
2022	$400.00 Disabled Person's exemption Veteran's exemption	$204,937	$364,503 Land $108,315 Building $256,188

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 3944 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 3944 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.

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