5103 Whispering Leaf Trl, Valrico, FL 33596 Property Records

Hillsborough County property record for 5103 Whispering Leaf Trl, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,821 sqft · built 2001
Lot Size	0.232 acres (10,100 sqft)
Owner	2 Individual Names on File
Last Sale	$359,900 (Jul 2008)
Tax Bill	$776 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`087182-5970`

Property Details

APN / Parcel Number

Primary APN	`087182-5970`
Alternative APN	`U0430215LTD00000000580`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,821 sqft Living Area
Gross Area	3,818 sqft
1st Floor Area	2,505 sqft
Upper Floors Area	316 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2013
Architectural Style	Contemporary
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,100 sqft (0.232 acres)
Lot Dimensions	123 ft deep x 87.5 ft wide
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Pool Area	336 sqft
Porch	Open Porch
Porch Area	323 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0871825970
Street Address	5103 WHISPERING LEAF TRL
City	VALRICO
State	FL
Zip	33596-7946
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	TWIN LAKES PARCELS D1 D3 AND E1 LOT 58 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	58
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	BRANDON
Census Block Group	2
Census Block	2015
Census Tract	13207

Owner

5103 Whispering Leaf Trl is owned and occupied by two individuals who bought it in July 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	5103 WHISPERING LEAF TRL, VALRICO, FL 33596-7946
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
Nov 1, 2022	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Mar 11, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 26, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2008 · Amount on File
Deed Sale	Jul 1, 2008 · Amount on File
Prior Sale	Dec 31, 2001 · Amount on File
Deed Document Number	2008235850
Deed Book / Page	18728 / 1868
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	5103 WHISPERING LEAF TRL, VALRICO, FL 33596-7946
Transaction Type	Mortgage
Record Updated	Nov 15, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000519306
Date	Nov 1, 2022
Instrument	2022519306

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Oct 21, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	5103 WHISPERING LEAF TRL, VALRICO, FL 33596-7946
Transaction Type	Mortgage
Record Updated	Mar 29, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5103 WHISPERING LEAF TRL, VALRICO, FL 33596-7946

Mortgage

Document Number	2021123399
Date	Mar 11, 2021
Instrument	2021123399

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	308 Months
Due	Nov 1, 2046

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	5103 WHISPERING LEAF TRL, VALRICO, FL 33596-7946
Document Number	0000371426
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Oct 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5103 WHISPERING LEAF TRL VALRICO FL 335967946, VALRICO, FL 33596-7946

Mortgage

Document Number	0000371426
Date	Sep 11, 2020
Instrument	371426

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Sep 10, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 5103 Whispering Leaf Trl was $776.

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		$287,142 (+2.7%)	$473,773 (-1.92%) Land $108,726 Building $365,047
2025	$776.00 Disabled Person's exemption Veteran's exemption	$279,593	$483,041 Land $108,726 Building $374,315
2023	$4,551.00 (+4.07%) Homeowner's exemption Veteran's exemption	$260,100 (+3%)	$465,740 (+3.97%) Land $92,417 Building $373,323
2022	$4,373.00 Homeowner's exemption Veteran's exemption	$252,524	$447,944 Land $92,417 Building $355,527

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

Flood

FEMA maps place 5103 Whispering Leaf Trl in Zone X, an area of minimal flood risk, within 500 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 500 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 5103 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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