5004 Whispering Leaf Trl, Valrico, FL 33596 Property Records

Hillsborough County property record for 5004 Whispering Leaf Trl, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,557 sqft · built 2001
Lot Size	0.29 acres (12,651 sqft)
Owner	2 Individual Names on File
Last Sale	$610,000 (Aug 2024)
Tax Bill	$8,933 (2025)
Deeds & Mortgages	May 2023 Second Mortgage Nov 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`087182-5902`

Property Details

APN / Parcel Number

Primary APN	`087182-5902`
Alternative APN	`U0430215LTD00000000010`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,557 sqft Living Area
Gross Area	3,361 sqft
1st Floor Area	2,557 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2013
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,651 sqft (0.29 acres)
Lot Dimensions	152 ft deep x 79.6 ft wide
Garage Type	Attached
Garage Area	578 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	226 sqft
Patio Area	396 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0871825902
Street Address	5004 WHISPERING LEAF TRL
City	VALRICO
State	FL
Zip	33596-7943
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	TWIN LAKES PARCELS D1 D3 AND E1 LOT 1 BLOCK D
Legal Range	21E
Legal Township	30S
Legal Section	04
Legal Subdivision	TWIN LAKES PARCELS D1 D3 AND E1
Legal Tract	5LT
Legal Block	D
Legal Lot Number	1
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	BRANDON
Census Block Group	2
Census Block	2015
Census Tract	13207

Owner

5004 Whispering Leaf Trl is owned and occupied by two individuals who bought it in August 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	5004 WHISPERING LEAF TRL, VALRICO, FL 33596-7943
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

Date	Document
May 24, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TAMPA BAY FCU
Nov 14, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
May 23, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2024 · Amount on File
Deed Sale	Aug 8, 2024 · Amount on File
Prior Sale	May 23, 2022 · Amount on File
Deed Document Number	2024334462
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	5004 WHISPERING LEAF TRL, VALRICO, FL 33596-7943
Transaction Type	Mortgage
Record Updated	Jun 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5004 WHISPERING LEAF TRL, VALRICO, FL 33596-7943

Mortgage

Document Number	0000224606
Date	May 24, 2023
Instrument	2023224606

Lender

Name	TAMPA BAY FCU
Type	Credit Union
Address	TAMPA, FL 33603

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2038

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	5004 WHISPERING LEAF TRL, VALRICO, FL 33596-7943
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5004 WHISPERING LEAF TRL, VALRICO, FL 33596-7943

Mortgage

Document Number	0000535283
Date	Nov 14, 2022
Instrument	2022535283

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Nov 2, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	May 23, 2022
Property Address	5004 WHISPERING LEAF TRL, VALRICO, FL 33596-7943
Document Number	0000263363
Map Reference	MB 88 PG 1
Instrument Date	May 16, 2022
Instrument	2022263363
Transaction Type	Transfer
Record Updated	Jun 9, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,325.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2611, VALRICO, FL 33595-2611

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5004 WHISPERING LEAF TRL, VALRICO, FL 33596-7943

Mortgage

Document Number	0000263364
Date	May 23, 2022
Instrument	2022263364

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 5004 Whispering Leaf Trl was $8,933 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		$476,309 (-2.04%) Land $120,962 Building $355,347	$476,309 (-2.04%) Land $120,962 Building $355,347
2025	$8,933.00 Homeowner's exemption	$486,225 Land $120,962 Building $365,263	$486,225 Land $120,962 Building $365,263
2023	$7,462.00 (+76.07%) Homeowner's exemption	$419,883 (+76.91%) Land $102,817 Building $317,066	$419,883 (-3.93%) Land $102,817 Building $317,066
2022	$4,238.00 Homeowner's exemption	$237,346	$437,058 Land $102,817 Building $334,241

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.

Flood

FEMA maps place 5004 Whispering Leaf Trl in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 46 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	46 in force
Nearby Flood Claims	3 (2002–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims

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 5004 Whispering Leaf Trl 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 64% of the US · lower than 90% 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 322 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

May also be available: Verizon.

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