3972 Appletree Dr, Valrico, FL 33594 Property Records

Hillsborough County property record for 3972 Appletree Dr, Valrico, FL 33594

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,222 sqft · built 1993
Lot Size	0.349 acres (15,202 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,534 (2025)
Deeds & Mortgages	Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`086308-1060`

Property Details

APN / Parcel Number

Primary APN	`086308-1060`
Alternative APN	`U29292132TA00000000300`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,222 sqft Living Area
Gross Area	3,162 sqft
1st Floor Area	2,222 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2009
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,202 sqft (0.349 acres)
Lot Dimensions	154 ft deep x 92 ft wide
Garage Type	Attached
Garage Area	631 sqft
Parking Spaces	2 Parking Spaces
Pool Area	242 sqft
Porch	Open Porch
Porch Area	309 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0863081060
Street Address	3972 APPLETREE DR
City	VALRICO
State	FL
Zip	33594-4315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC-6
Legal Description	BENT TREE LOT 30 BLOCK A
Legal Range	21E
Legal Township	29S
Legal Section	29
Legal Subdivision	BENT TREE
Legal Tract	32T
Legal Block	A
Legal Lot Number	30
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	BRANDON
Census Block Group	1
Census Block	1013
Census Tract	13204

Owner

3972 Appletree Dr is owned and occupied by two individuals.

Source: Hillsborough County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3972 APPLETREE DR, VALRICO, FL 33594-4315
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
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	3972 APPLETREE DR, VALRICO, FL 33594-4315
Document Number	0272341188
Instrument Date	Dec 21, 2019
Transaction Type	Mortgage
Record Updated	Jan 20, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3972 APPLETREE DR VALRICO FL 335944315, VALRICO, FL 33594-4315

Mortgage

Document Number	0272341188
Date	Jan 4, 2020
Book Page	027234/001188
Instrument	4252

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jan 3, 2060

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3972 Appletree Dr was $3,534 with a homeowner's exemption.

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		$198,999 (+2.7%)	$382,386 (-8.99%) Land $111,077 Building $271,309
2025	$3,534.00 Homeowner's exemption	$193,767	$420,162 Land $111,077 Building $309,085
2023	$3,100.00 (+5.95%) Homeowner's exemption	$182,821 (+3%)	$350,084 (+1.46%) Land $83,308 Building $266,776
2022	$2,926.00 Homeowner's exemption	$177,496	$345,041 Land $83,308 Building $261,733

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

Flood

FEMA maps place 3972 Appletree Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2019.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (2019–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

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 3972 Appletree Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 356 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