5209 Whispering Leaf Trl, Valrico, FL 33596 Property Records

Hillsborough County property record for 5209 Whispering Leaf Trl, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 3,119 sqft · built 2002
Lot Size	0.669 acres (29,122 sqft)
Owner	2 Individual Names on Record
Last Sale	$665,000 (Oct 2021)
Tax Bill	$11,699 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Sep 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`087182-6320`

Property Details

APN / Parcel Number

Primary APN	`087182-6320`
Alternative APN	`U0430215V2D00000000390`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,119 sqft Living Area
Gross Area	3,999 sqft
1st Floor Area	3,119 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	29,122 sqft (0.669 acres)
Lot Dimensions	395 ft deep x 72.5 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	420 sqft
Porch	Open Porch
Porch Area	280 sqft
Patio Area	378 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0871826320
Street Address	5209 WHISPERING LEAF TRL
City	VALRICO
State	FL
Zip	33596-7960
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	TWIN LAKES PARCEL D2 LOT 39 BLOCK D
Legal Range	21E
Legal Township	30S
Legal Section	04
Legal Subdivision	TWIN LAKES PARCEL D2
Legal Tract	5V2
Legal Block	D
Legal Lot Number	39
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	5209 WHISPERING LEAF TRL, VALRICO, FL 33596-7960
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Warranty Deed, Transfer · VA Mortgage USAA FSB
Sep 30, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS
Feb 4, 2020	Warranty Deed, Transfer · VA Mortgage CALIBER HM LOANS
Apr 27, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 27, 2019	Quit Claim Deed, Foreclosure NOT AVAILABLE
Jan 2, 2019	Trustee's Deed, Foreclosure
Mar 27, 2018	Trustee's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2021 · Amount on Record
Deed Sale	Oct 14, 2021 · Amount on Record
Prior Sale	Feb 4, 2020 · Amount on Record
Deed Document Number	2021519899
Prior Transfer Date	Mar 25, 2019
Prior Transfer Doc	0000178304
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Oct 14, 2021
Property Address	5209 WHISPERING LEAF TRL, VALRICO, FL 33596-7960
Document Number	2021519899
Map Reference	MB 91 PG 21
Instrument Date	Oct 13, 2021
Instrument	2021519899
Transaction Type	Transfer
Record Updated	Oct 29, 2021
Title Company	LA MAISON TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,655.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18715 COUNTY ROAD 455, 18715, CLERMONT, FL 34715-7713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5209 WHISPERING LEAF TRL, VALRICO, FL 33596-7960

Mortgage

Document Number	2021519900
Date	Oct 14, 2021
Instrument	2021519900

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	5209 WHISPERING LEAF TRL, VALRICO, FL 33596-7960
Document Number	0000449545
Instrument Date	Sep 30, 2020
Transaction Type	Mortgage
Record Updated	Nov 20, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5209 WHISPERING LEAF TRL TAMPA FL 33629, TAMPA, FL 33629

Mortgage

Document Number	0000449545
Date	Oct 29, 2020
Instrument	449545

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2050

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Feb 4, 2020
Property Address	5209 WHISPERING LEAF TRL, VALRICO, FL 33596-7960
Document Number	0000037540
Instrument Date	Jan 2, 2020
Instrument	37540
Transaction Type	Transfer
Record Updated	Apr 7, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,968.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5209 WHISPERING LEAF TRL VALRICO FL 335967960, VALRICO, FL 33596-7960

Mortgage

Document Number	37543
Date	Feb 4, 2020
Instrument	37543

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 3, 2050

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Apr 27, 2019
Property Address	5209 WHISPERING LEAF TRL, VALRICO, FL 33596-7960
Document Number	0265780101
Book / Page	026578 / 000101
Instrument Date	Apr 18, 2019
Instrument	178305
Transaction Type	Transfer
Record Updated	May 17, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	7114 E STETSON DR #250 SCOTTSDALE AZ 852513264, 250, SCOTTSDALE, AZ 85251-3264
Investor	Possibly a Property Investor

April 2019: Quit Claim Deed, Foreclosure

Document Type	Quit Claim Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Apr 27, 2019
Property Address	5209 WHISPERING LEAF TRL, VALRICO, FL 33596-7960
Document Number	0265780099
Book / Page	026578 / 000099
Instrument Date	Mar 25, 2019
Instrument	178304
Transaction Type	Foreclosure
Record Updated	May 16, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	2001 ROSS AVE #2800 DALLAS TX 752012930, 2800, DALLAS, TX 75201-2930

January 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jan 2, 2019
Property Address	5209 WHISPERING LEAF TRL, VALRICO, FL 33596-7960
Document Number	0263050344
Book / Page	026305 / 000344
Instrument Date	Dec 14, 2018
Instrument	1268
Transaction Type	Foreclosure
Record Updated	Jan 29, 2019

Transaction

Amount	Amount Recorded
Tax	$1,785.70
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	14523 SW MILLIKAN WAY BEAVERTON OR 970052344, BEAVERTON, OR 97005-2344

March 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Mar 27, 2018
Property Address	5209 WHISPERING LEAF TRL, VALRICO, FL 33596-7960
Document Number	0256461341
Book / Page	025646 / 001341
Instrument Date	Mar 9, 2018
Instrument	117890
Transaction Type	Foreclosure
Record Updated	Apr 5, 2018

Transaction

Amount	Amount Recorded
Tax	$245.70
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2201 TERRA COTTA CV LAND O LAKES FL 346392868, LAND O LAKES, FL 34639-2868

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		$636,467 (-0.21%) Land $237,184 Building $399,283	$636,467 (-0.85%) Land $237,184 Building $399,283
2025	$11,699.00 (+8.53%) Homeowner's exemption	$637,775 (+4.43%)	$641,932 (+5.12%) Land $237,184 Building $404,748
2023	$10,780.00 (-2.65%) Homeowner's exemption	$610,691 (-2.73%) Land $201,606 Building $409,085	$610,691 (-2.73%) Land $201,606 Building $409,085
2022	$11,074.00 Homeowner's exemption	$627,841 Land $201,606 Building $426,235	$627,841 Land $201,606 Building $426,235

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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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