448 Summer Sails Dr, Valrico, FL 33594 Property Records

Hillsborough County property record for 448 Summer Sails Dr, Valrico, FL 33594

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,074 sqft · built 2003
Lot Size	0.102 acres (4,424 sqft)
Owner	Individual Name on File
Tax Bill	$1,241 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`085740-2460`

Property Details

APN / Parcel Number

Primary APN	`085740-2460`
Alternative APN	`U20292162LA00000000300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,074 sqft Living Area
Gross Area	1,418 sqft
1st Floor Area	1,074 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2014
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	4,424 sqft (0.102 acres)
Lot Dimensions	96 ft deep x 40 ft wide
Garage Type	Attached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Screened Porch
Porch Area	28 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0857402460
Street Address	448 SUMMER SAILS DR
City	VALRICO
State	FL
Zip	33594-8021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	SOMERSET TRACT A-2 LOT 30 BLOCK A
Legal Range	21E
Legal Township	29S
Legal Section	20
Legal Subdivision	SOMERSET TRACT A-2
Legal Tract	A-2
Legal Block	A
Legal Lot Number	30
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	BRANDON
Census Block Group	1
Census Block	1000
Census Tract	12210

Owner

448 Summer Sails Dr is owned and occupied by an individual who acquired it in April 2004.

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

Owner of Record	Individual Name on File
Mailing Address	448 SUMMER SAILS DR, VALRICO, FL 33594-8021
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	Name on Deed
Last Sale	Apr 22, 2004
Deed Sale	Apr 22, 2004
Prior Sale	Nov 5, 2003 · Amount on File
Deed Document Number	2004150348
Deed Book / Page	13758 / 594
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	448 SUMMER SAILS DR, VALRICO, FL 33594-8021
Transaction Type	Mortgage
Record Updated	Oct 6, 2025
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 SUMMER SAILS DR, VALRICO, FL 33594-8021

Mortgage

Document Number	0000397115
Date	Sep 12, 2025
Instrument	2025397115

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Aug 30, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 448 Summer Sails Dr was $1,241 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		$69,837 (+2.7%)	$181,843 (-5.94%) Land $52,416 Building $129,427
2025	$1,241.00 Homeowner's exemption	$68,001	$193,319 Land $52,416 Building $140,903
2023	$1,467.00 (+7.95%) Homeowner's exemption	$61,322 (+3%)	$180,447 (+4.26%) Land $52,416 Building $128,031
2022	$1,359.00 Homeowner's exemption	$59,536	$173,069 Land $44,352 Building $128,717

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

Flood

FEMA maps place 448 Summer Sails Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1988.

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	5 in force
Nearby Flood Claims	2 (1988–2024)
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 448 Summer Sails Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within 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 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20