5123 Whispering Leaf Trl, Valrico, FL 33596 Property Records

Hillsborough County property record for 5123 Whispering Leaf Trl, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,609 sqft · built 2001
Lot Size	0.211 acres (9,179 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Nov 2025)
Tax Bill	$6,025 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`087182-5988`

Property Details

APN / Parcel Number

Primary APN	`087182-5988`
Alternative APN	`U0430215LTD00000000670`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,609 sqft Living Area
Gross Area	3,408 sqft
1st Floor Area	2,609 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	9,179 sqft (0.211 acres)
Lot Dimensions	123 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	577 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	222 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0871825988
Street Address	5123 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 67 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	67
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	BRANDON
Census Block Group	2
Census Block	2015
Census Tract	13207

Owner

5123 Whispering Leaf Trl is owned and occupied by two individuals who bought it in November 2025.

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 Individual Names on File
Mailing Address	5123 WHISPERING LEAF TRL, VALRICO, FL 33596-7946
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Nov 7, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jun 30, 2017	Warranty Deed, Transfer ALL AMERICAN TITLE AFFILIATES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2025 · Amount on File
Deed Sale	Nov 13, 2025 · Amount on File
Prior Sale	Nov 7, 2020 · Amount on File
Deed Document Number	2025482315
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Nov 13, 2025
Property Address	5123 WHISPERING LEAF TRL, VALRICO, FL 33596-7946
Document Number	0000482315
Map Reference	MB 88 PG 1
Instrument Date	Nov 10, 2025
Instrument	2025482315
Transaction Type	Transfer
Record Updated	Dec 22, 2025
Title Company	US PATRIOT TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,395.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 PARKVIEW PLZ, OAKBROOK TERRACE, IL 60181-4400

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5123 WHISPERING LEAF TRL, VALRICO, FL 33596-7946

Mortgage

Document Number	0000482316
Date	Nov 13, 2025
Instrument	2025482316

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Nov 7, 2020
Property Address	5123 WHISPERING LEAF TRL, VALRICO, FL 33596-7946
Document Number	0000463441
Map Reference	MB 88 PG 1
Instrument Date	Oct 29, 2020
Instrument	2020463441
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	ALL AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 290035, YIGO, GU 96929-3030

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5123 WHISPERING LEAF TRL, VALRICO, FL 33596-7946

Mortgage

Document Number	0000463442
Date	Nov 7, 2020
Instrument	2020463442

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jun 30, 2017
Property Address	5123 WHISPERING LEAF TRL, VALRICO, FL 33596-7946
Document Number	0250601562
Book / Page	025060 / 001562
Instrument Date	Jun 28, 2017
Instrument	260355
Transaction Type	Transfer
Record Updated	Jul 25, 2017
Title Company	ALL AMERICAN TITLE AFFILIATES

Transaction

Amount	Amount on Record
Tax	$2,100.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5123 WHISPERING LEAF TRL VALRICO FL 335967946, VALRICO, FL 33596-7946

Tax Assessment & Valuation

The 2025 property tax bill for 5123 Whispering Leaf Trl was $6,025.

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		$402,631 (+21.76%) Land $95,018 Building $307,613	$402,631 (-2.09%) Land $95,018 Building $307,613
2025	$6,025.00 Homeowner's exemption	$330,680	$411,210 Land $95,018 Building $316,192
2023	$5,542.00 (+3.57%) Homeowner's exemption	$312,001 (+3%)	$400,303 (-3.55%) Land $80,765 Building $319,538
2022	$5,351.00 Homeowner's exemption	$302,914	$415,036 Land $80,765 Building $334,271

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

Flood

FEMA maps place 5123 Whispering Leaf Trl in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2002.

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 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 5123 Whispering Leaf Trl is moderate, ranking above 46% of the US, with a 0.1% annual chance of 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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