Hillsborough County property record for 4438 Winding River Dr, Valrico, FL 33596
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,036 sqft · built 1996 |
| Lot Size | 0.36 acres (15,695 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $307,500 (Mar 2018) |
| Tax Bill | $5,438 (2025) |
| Deeds & Mortgages | Feb 2025 Mortgage Mar 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 074762-9018 |
| Primary APN | 074762-9018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,036 sqft Living Area |
| Gross Area | 3,026 sqft |
| 1st Floor Area | 2,036 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 15,695 sqft (0.36 acres) |
| Lot Dimensions | 130 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 670 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Pool Area | 420 sqft |
| Porch | Open Porch |
| Porch Area | 320 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0747629018 |
|---|---|
| Street Address | 4438 WINDING RIVER DR |
| City | VALRICO |
| State | FL |
| Zip | 33596-7830 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | RIVER CROSSING ESTATES PHASE 1 LOT 39 BLOCK 2 |
| Legal Range | 20E |
| Legal Township | 30S |
| Legal Section | 13 |
| Legal Subdivision | RIVER CROSSING ESTATES PHASE 1 |
| Legal Phase | 1 |
| Legal Tract | 2Q9 |
| Legal Block | 2 |
| Legal Lot Number | 39 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | WIMAUMA-RIVERVIEW |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 13415 |
Source: Hillsborough County records, as of September 30, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4438 WINDING RIVER DR, VALRICO, FL 33596-7830 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 28, 2025 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 30, 2018 | Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 30, 2018 · Amount on Record |
| Deed Sale | Mar 30, 2018 · Amount on Record |
| Prior Sale | Aug 28, 1998 · Amount on Record |
| Deed Document Number | 2018125107 |
| Deed Book / Page | 25658 / 747 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 4438 WINDING RIVER DR, VALRICO, FL 33596-7830 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4438 WINDING RIVER DR, VALRICO, FL 33596-7830 |
| Document Number | 0000085789 |
|---|---|
| Date | Feb 28, 2025 |
| Instrument | 2025085789 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Mar 30, 2018 |
| Property Address | 4438 WINDING RIVER DR, VALRICO, FL 33596-7830 |
| Document Number | 0000125107 |
| Book / Page | 25658 / 0747 |
| Map Reference | MB77 PG32 |
| Instrument Date | Mar 21, 2018 |
| Instrument | 2018125107 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | CITY TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,152.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 4438 WINDING RIVER DR, VALRICO, FL 33596-7830 |
| Document Number | 0000125108 |
|---|---|
| Date | Mar 30, 2018 |
| Instrument | 2018125108 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2048 |
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 | $308,787 (+2.7%) | $423,344 (-1.72%) Land $126,126 Building $297,218 | |
| 2025 | $5,438.00 (+13.17%) Homeowner's exemption | $300,669 (+5.99%) | $430,739 (+7.6%) Land $126,126 Building $304,613 |
| 2023 | $4,805.00 (+4.75%) Homeowner's exemption | $283,684 (+3%) | $400,319 (+4.29%) Land $114,660 Building $285,659 |
| 2022 | $4,587.00 Homeowner's exemption | $275,421 | $383,842 Land $91,728 Building $292,114 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 47 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 47 in force |
| Nearby Flood Claims | 12 (1988–2024) |
| Claims Outside the SFHA | 2 of 12 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 75% of the US · above 61% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
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 197 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 |
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