Hillsborough County property record for 628 Cape Cod Cir, Valrico, FL 33594
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,318 sqft · built 1999 |
| Lot Size | 0.101 acres (4,383 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $296,100 (Jun 2026) |
| Tax Bill | $1,700 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Apr 2026 Sale & Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 086308-8144 |
| Primary APN | 086308-8144 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,318 sqft Living Area |
| Gross Area | 1,896 sqft |
| 1st Floor Area | 868 sqft |
| Upper Floors Area | 450 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 4,383 sqft (0.101 acres) |
| Lot Dimensions | 102 ft deep x 44 ft wide |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 326 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0863088144 |
|---|---|
| Street Address | 628 CAPE COD CIR |
| City | VALRICO |
| State | FL |
| Zip | 33594-4379 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | COPPER RIDGE TRACT D LOT 72 BLOCK A |
| Legal Range | 21E |
| Legal Township | 29S |
| Legal Section | 29 |
| Legal Subdivision | COPPER RIDGE TRACT D |
| Legal Tract | D |
| Legal Block | A |
| Legal Lot Number | 72 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | BRANDON |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 13205 |
Source: Hillsborough County records, as of July 14, 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 | 628 CAPE COD CIR, VALRICO, FL 33594-4379 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 25, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 10, 2026 | Warranty Deed, Transfer · Construction Mortgage RFLF 5 LLC |
| Dec 1, 2018 | Loan Modification, Mortgage · Conventional Mortgage JP MORGAN CHASE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 2026 · Amount on Record |
| Deed Sale | Jun 25, 2026 · Amount on Record |
| Prior Sale | Apr 10, 2026 · Amount on Record |
| Deed Document Number | 2026245242 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Jun 25, 2026 |
| Property Address | 628 CAPE COD CIR, VALRICO, FL 33594-4379 |
| Document Number | 0000245242 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 2026245242 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2026 |
| Title Company | PEER TITLE INC, PEER TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $209,342.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 628 CAPE COD CIR, VALRICO, FL 33594-4379 |
| Document Number | 0000245243, |
|---|---|
| Date | Jun 25, 2026 |
| Instrument | 2026245243 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Apr 10, 2026 |
| Property Address | 628 CAPE COD CIR, VALRICO, FL 33594-4379 |
| Document Number | 0000139227 |
| Instrument Date | Apr 6, 2026 |
| Instrument | 2026.139227 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2026 |
| Title Company | PER TITLE, PEER TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $120,190.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
| Document Number | 0000139228, |
|---|---|
| Date | Apr 10, 2026 |
| Instrument | 2026..139228 |
| Name | RFLF 5 LLC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 1, 2027 |
| Rate Type | Balloon |
|---|---|
| Rate | 5.98% |
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 628 CAPE COD CIR, VALRICO, FL 33594-4379 |
| Document Number | 0262630767 |
| Instrument Date | Dec 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2018 |
| Name | Verified Name |
|---|---|
| Address | 628 CAPE COD CIR VALRICO FL 335944379, VALRICO, FL 33594-4379 |
| Document Number | 0262630767 |
|---|---|
| Date | Dec 10, 2018 |
| Book Page | 026263/000767 |
| Instrument | 494762 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219-6009 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 9, 2043 |
| Rate | 4.62% |
|---|
Source: Hillsborough County assessment roll, as of January 21, 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 |
|---|---|---|---|
| 2025 | $1,700.00 (+6.38%) Homeowner's exemption | $98,141 (+5.99%) | $216,518 (+11.31%) Land $53,317 Building $163,201 |
| 2024 | $1,598.00 (+5.69%) | ||
| 2023 | $1,512.00 (+9.09%) Homeowner's exemption | $92,597 (+3%) | $194,516 (+2.58%) Land $48,470 Building $146,046 |
| 2022 | $1,386.00 Homeowner's exemption | $89,900 | $189,617 Land $48,470 Building $141,147 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 3 (1979–2024) |
| Claims Outside the SFHA | 2 of 3 |
| 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 | Moderate above 57% of the US · lower than 71% 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.
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 836 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 |
| Verizon Fixed Wireless | 300 / 20 |
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