4309 Duncombe Dr, Valrico, FL 33596 Property Records

Hillsborough County property record for 4309 Duncombe Dr, Valrico, FL 33596 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,211 sqft · built 1997
Lot Size	0.22 acres (9,600 sqft)
Owner	Individual Name on File
Last Sale	$454,500 (Feb 2025)
Tax Bill	$2,048 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Feb 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0880675990`

Property Details

APN / Parcel Number

Primary APN	`0880675990`
Alternative APN	`U18302137S000009000240`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,211 sqft Heated Area
1st Floor Area	2,211 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2011
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,600 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Area	666 sqft
Parking Spaces	2 Parking Spaces
Pool Area	346 sqft
Porch	Open Porch
Porch Area	284 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	0880675990
Street Address	4309 DUNCOMBE DR
City	VALRICO
State	FL
Zip	33596-7285
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLOOMINGDALE SECTION AA GG UNIT 3 PHASE 2 LOT 24 BLOCK 9
Legal Range	21E
Legal Township	30S
Legal Section	18
Legal Subdivision	BLOOMINGDALE SECTION AA GG UNIT 3 PH 2
Legal Phase	2
Legal Block	9
Legal Lot Number	24
Legal Unit	3
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	WIMAUMA-RIVERVIEW
Census Block Group	3
Census Block	3010
Census Tract	13414

Owner

Source: Hillsborough County records · APN 0880675990

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	4309 DUNCOMBE DR, VALRICO, FL 33596-7285
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 01, 2022	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Feb 13, 2025	Warranty Deed, Transfer · Conventional Mortgage SUNCOAST CU
Mar 03, 2020	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 13, 2025 · Amount on Record
Deed Sale	Feb 13, 2025 · Amount on Record
Prior Sale	Mar 03, 2020 · Amount on Record
Deed Document Number	2025062058
Record Updated	Jun 08, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	4309 DUNCOMBE DR, VALRICO, FL 33596-7285
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4309 DUNCOMBE DR, VALRICO, FL 33596-7285

Mortgage

Document Number	0000377066
Date	Aug 01, 2022
Instrument	2022377066

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2052

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Feb 13, 2025
Property Address	4309 DUNCOMBE DR, VALRICO, FL 33596-7285
Document Number	0000062058
Map Reference	MB 78 PG 36
Instrument Date	Feb 12, 2025
Instrument	2025062058
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,181.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	124 EDWARDS AVE, BRANDON, FL 33510-4408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4309 DUNCOMBE DR, VALRICO, FL 33596-7285

Mortgage

Document Number	0000062059
Date	Feb 13, 2025
Instrument	2025062059

Lender

Name	SUNCOAST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Apr 01, 2035
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	1-Year T-Bill
Max Rate	11.6%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Mar 03, 2020
Property Address	4309 DUNCOMBE DR, VALRICO, FL 33596-7285
Document Number	0000080633
Instrument Date	Feb 26, 2020
Instrument	80633
Transaction Type	Transfer
Record Updated	Apr 20, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4309 DUNCOMBE DR VALRICO FL 335967285, VALRICO, FL 33596-7285

Mortgage

Document Number	80634
Date	Mar 03, 2020
Instrument	80634

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 02, 2050

Tax Assessment & Valuation

Source: Hillsborough County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,048.00 (-61.49%) Homeowner's exemption	$105,613 (-65.19%)	$134,227 (-64.66%) Land $105,600 Building $28,627
2023	$5,318.00 (+4.44%) Homeowner's exemption	$303,395 (+3%)	$379,786 (+3.81%) Land $96,000 Building $283,786
2022	$5,092.00 Homeowner's exemption	$294,558	$365,855 Land $76,800 Building $289,055

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hillsborough County (12057C), updated September 28, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120570134143, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 84 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	84 in force
Nearby Flood Claims	4 (2011–2024)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Oct 2024, rainfall accumulation, Hurricane Milton
Claims By Storm	Hurricane Milton, Oct 2024 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 354 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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