5114 Whispering Leaf Trl, Valrico, FL 33596 Property Records

Hillsborough County property record for 5114 Whispering Leaf Trl, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,605 sqft · built 2003
Lot Size	0.262 acres (11,426 sqft)
Owner	2 Company Names on Record
Last Sale	$580,000 (Aug 2025)
Tax Bill	$8,386 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`087182-5936`

Property Details

APN / Parcel Number

Primary APN	`087182-5936`
Alternative APN	`U0430215LTD00000000180`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,605 sqft Living Area
Gross Area	3,390 sqft
1st Floor Area	2,605 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	11,426 sqft (0.262 acres)
Lot Dimensions	151 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	185 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0871825936
Street Address	5114 WHISPERING LEAF TRL
City	VALRICO
State	FL
Zip	33596-7945
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	TWIN LAKES PARCELS D1 D3 AND E1 LOT 18 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	18
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	BRANDON
Census Block Group	2
Census Block	2015
Census Tract	13207

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	5114 WHISPERING LEAF TRL, VALRICO, FL 33596-7945
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2023	Warranty Deed, Transfer · VA Mortgage USAA FSB
Apr 3, 2017	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2025 · Amount on Record
Deed Sale	Aug 13, 2025 · Amount on Record
Prior Sale	Jun 14, 2023 · Amount on Record
Deed Document Number	2025352051
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jun 14, 2023
Property Address	5114 WHISPERING LEAF TRL, VALRICO, FL 33596-7945
Document Number	0000260372
Map Reference	MB 88 PG 1-1-1-8
Instrument Date	Jun 13, 2023
Instrument	2023260372
Transaction Type	Transfer
Record Updated	Jul 7, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5534 KINGLETHILL DR, LITHIA, FL 33547-3948

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5114 WHISPERING LEAF TRL, VALRICO, FL 33596-7945

Mortgage

Document Number	0000260373
Date	Jun 14, 2023
Instrument	2023260373

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Apr 3, 2017
Property Address	5114 WHISPERING LEAF TRL, VALRICO, FL 33596-7945
Document Number	0248371905
Book / Page	024837 / 001905
Instrument Date	Mar 24, 2017
Instrument	125086
Transaction Type	Transfer
Record Updated	Apr 14, 2017
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5114 WHISPERING LEAF TRL VALRICO FL 335967945, VALRICO, FL 33596-7945

Mortgage

Document Number	248371906
Date	Apr 3, 2017
Book Page	024837/001906
Instrument	125087

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 2, 2047

Tax Assessment & Valuation

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		$451,084 (-1.13%) Land $114,382 Building $336,702	$451,084 (-1.13%) Land $114,382 Building $336,702
2025	$8,386.00 (-3.79%) Homeowner's exemption	$456,250 (+1.45%) Land $114,382 Building $341,868	$456,250 (+1.45%) Land $114,382 Building $341,868
2023	$8,716.00 (+961.63%)	$449,727 (+45.92%) Land $97,225 Building $352,502	$449,727 (-2.92%) Land $97,225 Building $352,502
2022	$821.00 Disabled Person's exemption Veteran's exemption	$308,206	$463,243 Land $97,225 Building $366,018

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

Flood

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
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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