Hillsborough County property record for 546 Summer Sails Dr, Valrico, FL 33594
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,308 sqft · built 2002 |
| Lot Size | 0.123 acres (5,342 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $81,000 (Sep 2011) |
| Tax Bill | $1,417 (2025) |
| Deeds & Mortgages | Aug 2022 Reverse Mortgage Nov 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 085740-1146 |
| Primary APN | 085740-1146 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,308 sqft Living Area |
| Gross Area | 2,052 sqft |
| 1st Floor Area | 888 sqft |
| Upper Floors Area | 420 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 5,342 sqft (0.123 acres) |
| Lot Dimensions | 133 ft deep x 40 ft wide |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Screened Porch |
|---|---|
| Porch Area | 492 sqft |
| Patio Area | 110 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0857401146 |
|---|---|
| Street Address | 546 SUMMER SAILS DR |
| City | VALRICO |
| State | FL |
| Zip | 33594-8004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | SOMERSET TRACT A-1 LOT 63 BLOCK A |
| Legal Range | 21E |
| Legal Township | 29S |
| Legal Section | 20 |
| Legal Subdivision | SOMERSET TRACT A-1 |
| Legal Tract | A-1 |
| Legal Block | A |
| Legal Lot Number | 63 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | BRANDON |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 12210 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 546 SUMMER SAILS DR, VALRICO, FL 33594-8004 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 18, 2022 | Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC |
| Nov 30, 2017 | Deed of Trust, Mortgage · FHA Mortgage NATIONWIDE EQUITIES |
| Nov 30, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 23, 2011 · Amount on Record |
| Deed Sale | Sep 23, 2011 · Amount on Record |
| Prior Sale | Aug 24, 2011 |
| Deed Document Number | 2011309674 |
| Deed Book / Page | 20718 / 1516 |
| Last Transfer Date | Jun 19, 2014 |
| Transfer Doc | 0000215164 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 546 SUMMER SAILS DR, VALRICO, FL 33594-8004 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2022 |
| Title Company | STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Address | 546 SUMMER SAILS DR, VALRICO, FL 33594-8004 |
| Document Number | 0000407139 |
|---|---|
| Date | Aug 18, 2022 |
| Instrument | 2022407139 |
| Name | LONGBRIDGE FINANCIAL LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | MAHWAH, NJ 07495 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 817 Months |
| Due | Sep 25, 2090 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.51% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 1, 2022 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 10.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 546 SUMMER SAILS DR, VALRICO, FL 33594-8004 |
| Document Number | 0254171586 |
| Book / Page | 025417 / 001586 |
| Instrument Date | Nov 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|---|
| Address | 546 SUMMER SAILS DR VALRICO FL 335948004, VALRICO, FL 33594-8004 |
| Document Number | 0254171586 |
|---|---|
| Date | Dec 9, 2017 |
| Book Page | 025417/001586 |
| Instrument | 473817 |
| Name | NATIONWIDE EQUITIES |
|---|---|
| Type | Funding / Finance Company |
| Address | MAHWAH, NJ 07495 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 876 Months |
| Due | Dec 8, 2090 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.68% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 546 SUMMER SAILS DR, VALRICO, FL 33594-8004 |
| Document Number | 0254171603 |
| Book / Page | 025417 / 001603 |
| Instrument Date | Nov 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|---|
| Address | 546 SUMMER SAILS DR VALRICO FL 335948004, VALRICO, FL 33594-8004 |
| Document Number | 0254171603 |
|---|---|
| Date | Dec 9, 2017 |
| Book Page | 025417/001603 |
| Instrument | 473818 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 876 Months |
| Due | Dec 8, 2090 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.68% |
Source: Hillsborough County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Hillsborough County |
| Unified School District | Hillsborough County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $87,813 (+2.7%) | $224,649 (-5.92%) Land $69,852 Building $154,797 | |
| 2025 | $1,417.00 (+13.45%) Homeowner's exemption Widower's exemption | $85,504 (+5.99%) | $238,789 (+6.38%) Land $69,852 Building $168,937 |
| 2023 | $1,249.00 (+4.96%) Homeowner's exemption Widower's exemption | $80,674 (+3%) | $224,462 (+4.04%) Land $69,852 Building $154,610 |
| 2022 | $1,190.00 Homeowner's exemption Widower's exemption | $78,324 | $215,742 Land $59,105 Building $156,637 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 2 (1988–2024) |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 355 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 1,200 / 35 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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