1. Home
  2. Florida
  3. Hillsborough County
  4. Valrico
  5. Saddle Ridge St

3902 Saddle Ridge St, Valrico, FL 33596 Property Records

Hillsborough County property record for 3902 Saddle Ridge St, Valrico, FL 33596

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,475 sqft · built 1996
Lot Size0.269 acres (11,725 sqft)
Owner2 Individual Names on File
Last Sale$319,000 (Aug 2018)
Tax Bill$799 (2025)
Deeds & MortgagesNov 2020 Mortgage
Aug 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN087519-5238

Property Details

APN / Parcel Number

Primary APN087519-5238
Alternative APN
  • U093021370000006000010

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,475 sqft Living Area
Gross Area3,418 sqft
1st Floor Area2,475 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 2010
Architectural StyleContemporary
Exterior MaterialBrick/Stone
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area11,725 sqft (0.269 acres)
Lot Dimensions125 ft deep x 95 ft wide
Garage TypeAttached
Garage Area619 sqft
Parking Spaces2 Parking Spaces
Pool Area280 sqft
PorchOpen Porch
Porch Area324 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number0875195238
Street Address3902 SADDLE RIDGE ST
CityVALRICO
StateFL
Zip33596-8444
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePD
Legal DescriptionRANCH ROAD GROVES UNIT 1B 2A LOT 1 BLOCK 6
Legal Range21E
Legal Township30S
Legal Section09
Legal SubdivisionRANCH ROAD GROVES UNIT 1B 2A
Legal Tract370
Legal Block6
Legal Lot Number1
Legal Unit1B
JurisdictionHILLSBOROUGH FL
Township / Civil DivisionBRANDON
Census Block Group2
Census Block2012
Census Tract13208

Owner

3902 Saddle Ridge St is owned and occupied by two individuals who bought it in August 2018.

Source: Hillsborough County records, as of September 30, 2026

Owner of Record2 Individual Names on File
Mailing Address3902 SADDLE RIDGE ST, VALRICO, FL 33596-8444
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Nov 20, 2020Deed of Trust, Mortgage · Conventional with PMI
QUICKEN LNS
Aug 1, 2018Warranty Deed, Transfer · Conventional with PMI
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 1, 2018 · Amount on File
Deed SaleAug 1, 2018 · Amount on File
Prior SaleMar 14, 2005 · Amount on File
Deed Document Number2018306636
Deed Book / Page25956 / 1858
Prior Transfer DateMay 28, 2014
Prior Transfer Doc0000179205
Record UpdatedOct 29, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHILLSBOROUGH FL
Property Address3902 SADDLE RIDGE ST, VALRICO, FL 33596-8444
Document Number0000510973
Instrument DateNov 20, 2020
Transaction TypeMortgage
Record UpdatedDec 30, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3902 SADDLE RIDGE ST VALRICO FL 335968444, VALRICO, FL 33596-8444

Mortgage

Document Number0000510973
DateDec 7, 2020
Instrument510973
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueDec 6, 2050

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateAug 1, 2018
Property Address3902 SADDLE RIDGE ST, VALRICO, FL 33596-8444
Document Number0259561858
Book / Page025956 / 001858
Instrument DateJul 31, 2018
Instrument306636
Transaction TypeTransfer
Record UpdatedNov 21, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,233.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3902 SADDLE RIDGE ST VALRICO FL 335968444, VALRICO, FL 33596-8444

Mortgage

Document Number259561859
DateAug 1, 2018
Book Page025956/001859
Instrument306637
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueJul 31, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3902 Saddle Ridge St was $799.

Source: Hillsborough County assessment roll, as of September 29, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyHillsborough County
Unified School DistrictHillsborough County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$312,852 (+2.7%)$404,612 (+1.09%) Land $118,750 Building $285,862
2025$799.00 Disabled Person's exemption Veteran's exemption$304,627$400,245 Land $118,750 Building $281,495
2023$687.00 (+17.64%) Disabled Person's exemption Veteran's exemption$287,419 (+3%)$383,745 (-0.91%) Land $106,875 Building $276,870
2022$584.00 Disabled Person's exemption Veteran's exemption$279,048$387,264 Land $106,875 Building $280,389

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

Flood

FEMA maps place 3902 Saddle Ridge St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 91 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies91 in force
Nearby Flood Claims6 (2004–2024)
Claims Outside the SFHA4 of 6
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Irma, Sep 2017 · 3 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 3902 Saddle Ridge St is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 62% of the US · lower than 62% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemHCWRD/SOUTH-CENTRAL
serves 515,012 people · EPA ID FL6290787
Water SourcePurchased surface water from several systems
Last State InspectionNov 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 158 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20

Nearby Properties on Saddle Ridge St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures