4522 River Overlook Dr, Valrico, FL 33596 Property Records

Hillsborough County property record for 4522 River Overlook Dr, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,060 sqft · built 2001
Lot Size	0.198 acres (8,612 sqft)
Owner	2 Individual Names on File
Last Sale	$405,000 (May 2021)
Tax Bill	$7,801 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`074762-9472`

Property Details

APN / Parcel Number

Primary APN	`074762-9472`
Alternative APN	`U1330202QD000007000070`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,060 sqft Living Area
Gross Area	2,980 sqft
1st Floor Area	2,060 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2013
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,612 sqft (0.198 acres)
Lot Dimensions	115 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	647 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	264 sqft
Porch	Open Porch
Porch Area	273 sqft
Deck Area	Deck Area
Patio Area	620 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0747629472
Street Address	4522 RIVER OVERLOOK DR
City	VALRICO
State	FL
Zip	33596-7825
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	RIVER CROSSING ESTATES PHASE 4 LOT 7 BLOCK 7
Legal Range	20E
Legal Township	30S
Legal Section	13
Legal Subdivision	RIVER CROSSING ESTATES PHASE 4
Legal Phase	4
Legal Tract	2QD
Legal Block	7
Legal Lot Number	7
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	WIMAUMA-RIVERVIEW
Census Block Group	1
Census Block	1020
Census Tract	13415

Owner

4522 River Overlook Dr is owned and occupied by two individuals who bought it in May 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	4522 RIVER OVERLOOK DR, VALRICO, FL 33596-7825
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

Date	Document
May 24, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Mar 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2021 · Amount on File
Deed Sale	May 24, 2021 · Amount on File
Prior Sale	Dec 7, 2001 · Amount on File
Deed Document Number	2021260675
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	May 24, 2021
Property Address	4522 RIVER OVERLOOK DR, VALRICO, FL 33596-7825
Document Number	0000260675
Map Reference	MB 85 PG 44
Instrument Date	May 14, 2021
Instrument	2021260675
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	EXECUTIVE TITLE, EXECUTIVE TITLE OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,835.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9815 HARRELL AVE APT 403, 403, TREASURE ISLAND, FL 33706-3240

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 WASHINGTON ST, TOMS RIVER, NJ 08753-6743

Mortgage

Document Number	0000260676
Date	May 24, 2021
Instrument	2021260676

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Change Frequency	Annually

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	4522 RIVER OVERLOOK DR, VALRICO, FL 33596-7825
Document Number	0000116672
Instrument Date	Mar 16, 2020
Transaction Type	Mortgage
Record Updated	Apr 30, 2020
Title Company	EXECUTIVE TITLE, EXECUTIVE TITLE/S FL INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4522 RIVER OVERLOOK DR VALRICO FL 335967825, VALRICO, FL 33596-7825

Mortgage

Document Number	0000116672
Date	Mar 23, 2020
Instrument	116672

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 22, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4522 River Overlook Dr was $7,801 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		$381,133 (-1.85%) Land $95,824 Building $285,309	$381,133 (-1.85%) Land $95,824 Building $285,309
2025	$7,801.00	$388,314 Land $95,824 Building $292,490	$388,314 Land $95,824 Building $292,490
2023	$6,132.00 (+4.59%) Homeowner's exemption	$360,575 (+3.51%) Land $87,112 Building $273,463	$360,575 (+3.51%) Land $87,112 Building $273,463
2022	$5,863.00 Homeowner's exemption	$348,333 Land $69,690 Building $278,643	$348,333 Land $69,690 Building $278,643

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

Flood

FEMA maps place 4522 River Overlook Dr in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1988.

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
Flood Insurance Cost	Premium on File median of 47 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	47 in force
Nearby Flood Claims	12 (1988–2024)
Claims Outside the SFHA	2 of 12
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 2 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 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

The area around 4522 River Overlook Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 338 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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