Hillsborough County property record for 453 Summer Sails Dr, Valrico, FL 33594
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,533 sqft · built 2004 |
| Lot Size | 0.154 acres (6,692 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $357,000 (Jun 2026) |
| Tax Bill | $2,773 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jan 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 085740-2550 |
| Primary APN | 085740-2550 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,533 sqft Living Area |
| Gross Area | 2,238 sqft |
| 1st Floor Area | 943 sqft |
| Upper Floors Area | 590 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,692 sqft (0.154 acres) |
| Lot Dimensions | 147 ft deep x 40.1 ft wide |
| Garage Type | Attached |
| Garage Area | 471 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened Porch |
| Porch Area | 54 sqft |
| Patio Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0857402550 |
|---|---|
| Street Address | 453 SUMMER SAILS DR |
| City | VALRICO |
| State | FL |
| Zip | 33594-8020 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | SOMERSET TRACT A-2 LOT 27 BLOCK E |
| Legal Range | 21E |
| Legal Township | 29S |
| Legal Section | 20 |
| Legal Subdivision | SOMERSET TRACT A-2 |
| Legal Tract | A-2 |
| Legal Block | E |
| Legal Lot Number | 27 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | BRANDON |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 12210 |
453 Summer Sails Dr is owned and occupied by two individuals who bought it in June 2026.
Source: Hillsborough County records, as of September 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 453 SUMMER SAILS DR, VALRICO, FL 33594-8020 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
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 |
|---|---|
| Jun 17, 2026 | Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC |
| Jan 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Nov 7, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jan 5, 2017 | Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2026 · Amount on File |
| Deed Sale | Jun 17, 2026 · Amount on File |
| Prior Sale | Jan 5, 2017 · Amount on File |
| Deed Document Number | 2026233603 |
| Prior Transfer Date | May 5, 2008 |
| Prior Transfer Doc | 0000184116 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Jun 17, 2026 |
| Property Address | 453 SUMMER SAILS DR, VALRICO, FL 33594-8020 |
| Document Number | 0000233603 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 2026233603 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $252,399.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 453 SUMMER SAILS DR, VALRICO, FL 33594-8020 |
| Document Number | 0000233604, |
|---|---|
| Date | Jun 17, 2026 |
| Instrument | 2026233604 |
| Name | MORTGAGE CENTER LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 453 SUMMER SAILS DR, VALRICO, FL 33594-8020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2022 |
| Title Company | WATSON TITLE SERVICES INC, WATSON TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 453 SUMMER SAILS DR, VALRICO, FL 33594-8020 |
| Document Number | 0000017941 |
|---|---|
| Date | Jan 11, 2022 |
| Instrument | 2022017941 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 453 SUMMER SAILS DR, VALRICO, FL 33594-8020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000463918 |
|---|---|
| Date | Nov 7, 2020 |
| Instrument | 2020463918 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 315 Months |
| Due | Feb 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Jan 5, 2017 |
| Property Address | 453 SUMMER SAILS DR, VALRICO, FL 33594-8020 |
| Document Number | 0000004459 |
| Book / Page | 24641 / 1729 |
| Map Reference | MB93 PG84 |
| Instrument Date | Dec 27, 2016 |
| Instrument | 2017004459 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2022 |
| Title Company | HILLSBOROUGH TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,225.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5502 STORM RD, 5502, LUTZ, FL 33558-4841 |
| Name | Verified Name |
|---|---|
| Address | 453 SUMMER SAILS DR, VALRICO, FL 33594-8020 |
| Document Number | 0000004460 |
|---|---|
| Date | Jan 5, 2017 |
| Book Page | 24641/1731 |
| Instrument | 2017004460 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2047 |
The 2025 property tax bill for 453 Summer Sails Dr was $2,773, up 8.1% from the year before.
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 | $254,866 (+62.34%) Land $76,708 Building $178,158 | $254,866 (-6.24%) Land $76,708 Building $178,158 | |
| 2025 | $2,773.00 (+8.07%) Homeowner's exemption | $156,997 | $271,827 Land $76,708 Building $195,119 |
| 2024 | $2,566.00 (-8.75%) | ||
| 2023 | $2,812.00 (+7.08%) Homeowner's exemption | $148,128 (+3.92%) | $256,846 (+5.72%) Land $76,708 Building $180,138 |
| 2022 | $2,626.00 Homeowner's exemption | $142,542 | $242,939 Land $64,906 Building $178,033 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 453 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 risk around 453 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.
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 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 |
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