5121 Whispering Leaf Trl, Valrico, FL 33596 Property Records

Hillsborough County property record for 5121 Whispering Leaf Trl, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,110 sqft · built 2002
Lot Size	0.211 acres (9,170 sqft)
Owner	2 Trust Names on Record
Last Sale	$375,000 (Jun 2017)
Tax Bill	$6,846 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`087182-5986`

Property Details

APN / Parcel Number

Primary APN	`087182-5986`
Alternative APN	`U0430215LTD00000000660`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,110 sqft Living Area
Gross Area	3,969 sqft
1st Floor Area	2,710 sqft
Upper Floors Area	400 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2014
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,170 sqft (0.211 acres)
Lot Dimensions	123 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	259 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0871825986
Street Address	5121 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 66 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	66
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 Trust Names on Record
Mailing Address	5121 WHISPERING LEAF TRL, VALRICO, FL 33596-7946
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU
Jun 29, 2017	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2017 · Amount on Record
Deed Sale	Jun 29, 2017 · Amount on Record
Prior Sale	Nov 23, 2009 · Amount on Record
Deed Document Number	2017258334
Deed Book / Page	25057 / 1178
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	5121 WHISPERING LEAF TRL, VALRICO, FL 33596-7946
Document Number	0000306977
Instrument Date	Jul 16, 2020
Transaction Type	Mortgage
Record Updated	Aug 20, 2020
Title Company	BROKERS TITLE/TAMPA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5121 WHISPERING LEAF TRL VALRICO FL 335967946, VALRICO, FL 33596-7946

Mortgage

Document Number	0000306977
Date	Jul 29, 2020
Instrument	306977

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 28, 2035

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jun 29, 2017
Property Address	5121 WHISPERING LEAF TRL, VALRICO, FL 33596-7946
Document Number	0250571178
Book / Page	025057 / 001178
Instrument Date	Jun 23, 2017
Instrument	258334
Transaction Type	Transfer
Record Updated	Jul 19, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5121 WHISPERING LEAF TRL VALRICO FL 335967946, VALRICO, FL 33596-7946

Mortgage

Document Number	250571180
Date	Jun 29, 2017
Book Page	025057/001180
Instrument	258335

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 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		$384,468 (+2.7%)	$484,045 (-1.23%) Land $95,018 Building $389,027
2025	$6,846.00 (+9.41%) Homeowner's exemption	$374,360 (+5.99%)	$490,067 (+1.45%) Land $95,018 Building $395,049
2023	$6,257.00 (+3.54%) Homeowner's exemption	$353,214 (+3%)	$483,060 (+4.35%) Land $80,765 Building $402,295
2022	$6,043.00 Homeowner's exemption	$342,926	$462,912 Land $80,765 Building $382,147

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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