Hillsborough County property record for 4103 Encina Dr, Brandon, FL 33511
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,554 sqft · built 1984 |
| Lot Size | 0.19 acres (8,285 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $185,000 (Mar 2017) |
| Tax Bill | $3,476 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 074743-6628 |
| Primary APN | 074743-6628 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,554 sqft Living Area |
| Gross Area | 2,042 sqft |
| 1st Floor Area | 1,554 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Contemporary |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,285 sqft (0.19 acres) |
| Lot Dimensions | 110 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 48 sqft |
| Patio Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0747436628 |
|---|---|
| Street Address | 4103 ENCINA DR |
| City | BRANDON |
| State | FL |
| Zip | 33511-7940 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | BLOOMINGDALE SECTION H UNIT NO 4 LOT 43 BLOCK 1 |
| Legal Range | 20E |
| Legal Township | 30S |
| Legal Section | 11 |
| Legal Subdivision | BLOOMINGDALE SECTION H UNIT NO 4 |
| Legal Tract | 2PE |
| Legal Block | 1 |
| Legal Lot Number | 43 |
| Legal Unit | 4 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | WIMAUMA-RIVERVIEW |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 13407 |
4103 Encina Dr is owned and occupied by two individuals who bought it in March 2017.
Source: Hillsborough County records, as of September 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4103 ENCINA DR, BRANDON, FL 33511-7940 |
| 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 |
|---|---|
| May 15, 2026 | Deed of Trust, Mortgage · Line of Credit SUNCOAST CREDIT UNION |
| Mar 21, 2017 | Grant Deed, Transfer · FHA Mortgage MIDFLORIDA FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2017 · Amount on File |
| Deed Sale | Mar 1, 2017 · Amount on File |
| Prior Sale | Jan 28, 2008 |
| Deed Book / Page | 24808 / 978 |
| Prior Transfer Date | Oct 14, 2009 |
| Prior Transfer Doc | 0000342918 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | May 15, 2026 |
| Property Address | 4103 ENCINA DR, BRANDON, FL 33511-7940 |
| Document Number | 0000187941 |
| Instrument Date | May 9, 2026 |
| Instrument | 2026187941 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4103 ENCINA DR, BRANDON, FL 33511-7940 |
| Document Number | 0000187941, |
|---|---|
| Date | May 15, 2026 |
| Instrument | 2026187941 |
| Name | SUNCOAST CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Mar 21, 2017 |
| Property Address | 4103 ENCINA DR, BRANDON, FL 33511-7940 |
| Document Number | 0248080978 |
| Book / Page | 024808 / 000978 |
| Instrument Date | Mar 16, 2017 |
| Instrument | 106807 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,295.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4103 ENCINA DR BRANDON FL 335117940, BRANDON, FL 33511-7940 |
| Document Number | 248080980 |
|---|---|
| Date | Mar 21, 2017 |
| Book Page | 024808/000980 |
| Instrument | 106808 |
| Name | MIDFLORIDA FCU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33803 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 20, 2047 |
The 2025 property tax bill for 4103 Encina Dr was $3,476 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 | $188,803 (+2.7%) | $270,993 (-1.02%) Land $92,565 Building $178,428 | |
| 2025 | $3,476.00 Homeowner's exemption | $183,839 | $273,785 Land $92,565 Building $181,220 |
| 2023 | $3,058.00 (+6.07%) Homeowner's exemption | $173,454 (+3%) | $254,228 (+5.98%) Land $84,150 Building $170,078 |
| 2022 | $2,883.00 Homeowner's exemption | $168,402 | $239,873 Land $67,320 Building $172,553 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4103 Encina Dr in Zone X, an area of minimal flood risk, though there have been 40 flood claims nearby since 1979.
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 82 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 82 in force |
| Nearby Flood Claims | 40 (1979–2024) |
| Claims Outside the SFHA | 3 of 40 |
| 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.
The area around 4103 Encina Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 342 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 |
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