Hillsborough County property record for 509 Summer Sails Dr, Valrico, FL 33594
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,224 sqft · built 2001 |
| Lot Size | 0.103 acres (4,480 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $185,000 (Dec 2019) |
| Tax Bill | $2,730 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Jun 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 085740-1244 |
| Primary APN | 085740-1244 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,224 sqft Living Area |
| Gross Area | 1,737 sqft |
| 1st Floor Area | 1,224 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 4,480 sqft (0.103 acres) |
| Lot Dimensions | 112 ft deep x 40 ft wide |
| Garage Type | Attached |
| Garage Area | 465 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 48 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0857401244 |
|---|---|
| Street Address | 509 SUMMER SAILS DR |
| City | VALRICO |
| State | FL |
| Zip | 33594-8005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | SOMERSET TRACT A-1 LOT 3 BLOCK D |
| Legal Range | 21E |
| Legal Township | 29S |
| Legal Section | 20 |
| Legal Subdivision | SOMERSET TRACT A-1 |
| Legal Tract | A-1 |
| Legal Block | D |
| Legal Lot Number | 3 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | BRANDON |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 12210 |
Source: Hillsborough County records · APN 085740-1244
Assessment roll updated January 21, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 4509 SUMMER SAILS DR, VALRICO, FL 33594 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Apr 20, 2026 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK |
| Jun 15, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Mar 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 07, 2019 | Warranty Deed, Transfer · FHA Mortgage EQUITY RSRCS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 07, 2019 · Amount on Record |
| Deed Sale | Dec 07, 2019 · Amount on Record |
| Prior Sale | Feb 27, 2002 · Amount on Record |
| Deed Document Number | 2019524880 |
| Deed Book / Page | 27167 / 1887 |
| Last Transfer Date | May 16, 2024 |
| Transfer Doc | 0000221686 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Apr 20, 2026 |
| Property Address | 509 SUMMER SAILS DR, VALRICO, FL 33594-8005 |
| Document Number | 0000152027 |
| Instrument Date | Apr 08, 2026 |
| Instrument | 2026152027 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant, 269 |
| Address | 509 SUMMER SAILS DR, VALRICO, FL 33594-8005 |
| Document Number | 0000152027, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 2026152027 |
| Name | SOUTH STATE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 20, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 509 SUMMER SAILS DR, VALRICO, FL 33594-8005 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 509 SUMMER SAILS DR, VALRICO, FL 33594-8005 |
| Document Number | 0000300882 |
|---|---|
| Date | Jun 15, 2022 |
| Instrument | 2022300882 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 27, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 509 SUMMER SAILS DR, VALRICO, FL 33594-8005 |
| Transaction Type | Mortgage |
| Record Updated | Apr 08, 2022 |
| Name | Verified Name |
|---|---|
| Address | 509 SUMMER SAILS DR, VALRICO, FL 33594-8005 |
| Document Number | 0000150577 |
|---|---|
| Date | Mar 22, 2022 |
| Instrument | 2022150577 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Dec 07, 2019 |
| Property Address | 509 SUMMER SAILS DR, VALRICO, FL 33594-8005 |
| Document Number | 0271671887 |
| Book / Page | 027167 / 001887 |
| Instrument Date | Nov 21, 2019 |
| Instrument | 524880 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,295.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 509 SUMMER SAILS DR VALRICO FL 335948005, VALRICO, FL 33594-8005 |
| Document Number | 271671892 |
|---|---|
| Date | Dec 07, 2019 |
| Book Page | 027167/001892 |
| Instrument | 524883 |
| Name | EQUITY RSRCS |
|---|---|
| Type | Funding / Finance Company |
| Address | NEWARK, OH 43055 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 06, 2049 |
Source: Hillsborough County records · Assessment roll updated January 21, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Hillsborough County |
| Unified School District | Hillsborough County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,730.00 (+7.69%) Homeowner's exemption | $150,302 (+5.99%) | $227,623 (+7.57%) Land $59,987 Building $167,636 |
| 2024 | $2,535.00 (+3.98%) | ||
| 2023 | $2,438.00 (+7.16%) Homeowner's exemption | $141,812 (+3%) | $211,611 (+3.65%) Land $59,987 Building $151,624 |
| 2022 | $2,275.00 Homeowner's exemption | $137,682 | $204,156 Land $50,758 Building $153,398 |
Source: FEMA National Flood Hazard Layer as of September 28, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 318 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HCWRD/SOUTH-CENTRAL serves 515,012 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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