4509 River Dr, Valrico, FL 33596 Property Records

Hillsborough County property record for 4509 River Dr, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,136 sqft · built 1997
Lot Size	0.821 acres (35,772 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Aug 2021)
Tax Bill	$4,684 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`087758-0000`

Property Details

APN / Parcel Number

Primary APN	`087758-0000`
Alternative APN	`U163021ZZZ000004355100`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,136 sqft Living Area
Gross Area	3,016 sqft
1st Floor Area	1,136 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2011
Architectural Style	Mansion
Exterior Material	Brick/Stone
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	35,772 sqft (0.821 acres)
Lot Dimensions	300 ft deep x 98 ft wide
Garage Type	Carport
Garage Area	1,136 sqft
Carport	Carport
Carport Area	1,136 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	424 sqft
Deck Area	288 sqft
Balcony Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0877580000
Street Address	4509 RIVER DR
City	VALRICO
State	FL
Zip	33596-7401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AS-1
Legal Description	TR BEG 57 FT N 66 FT E 57.55 FT S AND S 1 DEG W 313.55 FT OF NW COR OF SW 1/4 RUN S 1 DEG W 185 FT N 66 DEG E 345 FT MOL TO RIVER NLY 47 FT MOL ALG RIVER W 296 FT MOL TO BEG
Legal Range	21E
Legal Township	30S
Legal Section	16
Legal Subdivision	UNPLATTED
Legal Tract	ZZZ
Legal Block	4
Legal Lot Number	35510
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	WIMAUMA-RIVERVIEW
Census Block Group	3
Census Block	3000
Census Tract	13409

Owner

4509 River Dr is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	4509 RIVER DR, VALRICO, FL 33596-7401
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2021 · Amount on File
Deed Sale	Aug 10, 2021 · Amount on File
Prior Sale	May 28, 2008 · Amount on File
Deed Document Number	2021402295
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Aug 10, 2021
Property Address	4509 RIVER DR, VALRICO, FL 33596-7401
Document Number	2021402295
Instrument Date	Aug 5, 2021
Instrument	2021402295
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 7, MACHIASPORT, ME 04655-0007

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4509 RIVER DR, VALRICO, FL 33596-7401

Mortgage

Document Number	2021402296
Date	Aug 10, 2021
Instrument	2021402296

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4509 River Dr was $4,684 with a homeowner's exemption.

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		$263,260 (-1.72%) Land $107,065 Building $156,195	$263,260 (-1.72%) Land $107,065 Building $156,195
2025	$4,684.00 Homeowner's exemption	$267,859 Land $107,065 Building $160,794	$267,859 Land $107,065 Building $160,794
2023	$4,203.00 (-2.53%) Homeowner's exemption	$256,070 (-3.66%) Land $101,430 Building $154,640	$256,070 (-3.66%) Land $101,430 Building $154,640
2022	$4,312.00 Homeowner's exemption	$265,785 Land $101,430 Building $164,355	$265,785 Land $101,430 Building $164,355

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

Flood

FEMA maps place 4509 River Dr in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 82 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	82 in force
Nearby Flood Claims	149 (1979–2024)
Claims Outside the SFHA	4 of 149
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 28 claims Hurricane Irma, Sep 2017 · 23 claims Hurricane Frances, Sep 2004 · 37 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 4509 River Dr 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 Risk	Moderate above 62% of the US · lower than 62% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 55 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20