5117 Whispering Leaf Trl, Valrico, FL 33596 Property Records

Hillsborough County property record for 5117 Whispering Leaf Trl, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,621 sqft · built 2001
Lot Size	0.21 acres (9,154 sqft)
Owner	2 Individual Names on Record
Last Sale	$577,495 (Aug 2025)
Tax Bill	$6,195 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`087182-5982`

Property Details

APN / Parcel Number

Primary APN	`087182-5982`
Alternative APN	`U0430215LTD00000000640`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,621 sqft Living Area
Gross Area	3,350 sqft
1st Floor Area	2,621 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	9,154 sqft (0.21 acres)
Lot Dimensions	123 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	577 sqft
Parking Spaces	2 Parking Spaces
Pool Area	312 sqft
Porch	Open Porch
Porch Area	152 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0871825982
Street Address	5117 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 64 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	64
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5117 WHISPERING LEAF TRL, VALRICO, FL 33596-7946
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 29, 2020	Deed of Trust, Mortgage · Conventional with PMI CALIBER HM LOANS
Dec 11, 2019	Deed of Trust, Mortgage · Conventional with PMI CALIBER HM LOANS
Oct 11, 2018	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2025 · Amount on Record
Deed Sale	Aug 14, 2025 · Amount on Record
Prior Sale	Oct 11, 2018 · Amount on Record
Deed Document Number	2025353362
Prior Transfer Date	Mar 19, 2015
Prior Transfer Doc	0000115969
Record Updated	Oct 29, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Aug 14, 2025
Property Address	5117 WHISPERING LEAF TRL, VALRICO, FL 33596-7946
Document Number	0000353362
Map Reference	MB 88 PG 1
Instrument Date	Aug 14, 2025
Instrument	2025353362
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	TITLE TECH NETWORKS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,042.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12416 CEDARFIELD DR, RIVERVIEW, FL 33579-9701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5117 WHISPERING LEAF TRL, VALRICO, FL 33596-7946

Mortgage

Document Number	0000353363
Date	Aug 14, 2025
Instrument	2025353363

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	5117 WHISPERING LEAF TRL, VALRICO, FL 33596-7946
Document Number	0000556350
Instrument Date	Dec 29, 2020
Transaction Type	Mortgage
Record Updated	Jan 20, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5117 WHISPERING LEAF TRL VALRICO FL 335967946, VALRICO, FL 33596-7946

Mortgage

Document Number	0000556350
Date	Dec 29, 2020
Instrument	556350

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	5117 WHISPERING LEAF TRL, VALRICO, FL 33596-7946
Document Number	0271931301
Instrument Date	Dec 11, 2019
Transaction Type	Mortgage
Record Updated	Jan 7, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5117 WHISPERING LEAF TRL VALRICO FL 335967946, VALRICO, FL 33596-7946

Mortgage

Document Number	0271931301
Date	Dec 16, 2019
Book Page	027193/001301
Instrument	539131

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 15, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Oct 11, 2018
Property Address	5117 WHISPERING LEAF TRL, VALRICO, FL 33596-7946
Document Number	0261331307
Book / Page	026133 / 001307
Instrument Date	Oct 2, 2018
Instrument	414529
Transaction Type	Transfer
Record Updated	Oct 30, 2018
Title Company	LANDCASTLE TITLE GROUP LLC, LANDCASTLE TITLE GRP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,436.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5117 WHISPERING LEAF TRL VALRICO FL 335967946, VALRICO, FL 33596-7946

Mortgage

Document Number	261331310
Date	Oct 11, 2018
Book Page	026133/001310
Instrument	414530

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2048

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		$482,351 (+43.47%) Land $95,018 Building $387,333	$482,351 (-2.3%) Land $95,018 Building $387,333
2025	$6,195.00 (+8.17%) Homeowner's exemption	$336,192 (+2.9%)	$493,720 (+1.96%) Land $95,018 Building $398,702
2024	$5,727.00 (+0.88%) Homeowner's exemption	$326,717 (+3%)	$484,218 (+9.51%) Land $85,516 Building $398,702
2023	$5,677.00 (+3.71%) Homeowner's exemption	$317,201 (+3%)	$442,173 (-4.48%) Land $80,765 Building $361,408
2022	$5,474.00 Homeowner's exemption	$307,962	$462,928 Land $80,765 Building $382,163

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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