4525 River Overlook Dr, Valrico, FL 33596 Property Records

Hillsborough County property record for 4525 River Overlook Dr, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,380 sqft · built 2001
Lot Size	0.235 acres (10,224 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (Jun 2023)
Tax Bill	$8,144 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`074762-9408`

Property Details

APN / Parcel Number

Primary APN	`074762-9408`
Alternative APN	`U1330202QD000001000310`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,380 sqft Living Area
Gross Area	3,229 sqft
1st Floor Area	2,380 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	10,224 sqft (0.235 acres)
Lot Dimensions	119 ft deep x 79 ft wide
Garage Type	Attached
Garage Area	607 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	242 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0747629408
Street Address	4525 RIVER OVERLOOK DR
City	VALRICO
State	FL
Zip	33596-7827
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	RIVER CROSSING ESTATES PHASE 4 LOT 31 BLOCK 1
Legal Range	20E
Legal Township	30S
Legal Section	13
Legal Subdivision	RIVER CROSSING ESTATES PHASE 4
Legal Phase	4
Legal Tract	2QD
Legal Block	1
Legal Lot Number	31
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	WIMAUMA-RIVERVIEW
Census Block Group	1
Census Block	1018
Census Tract	13415

Owner

4525 River Overlook Dr is owned and occupied by two individuals who bought it in June 2023.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	4525 RIVER OVERLOOK DR, VALRICO, FL 33596-7827
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2023	Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Jan 21, 2021	Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2023 · Amount on File
Deed Sale	Jun 12, 2023 · Amount on File
Prior Sale	Jan 21, 2021 · Amount on File
Deed Document Number	2023255732
Prior Transfer Date	Jun 23, 2010
Prior Transfer Doc	0000279032
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jun 12, 2023
Property Address	4525 RIVER OVERLOOK DR, VALRICO, FL 33596-7827
Document Number	0000255732
Map Reference	MB 85 PG 44
Instrument Date	Jun 12, 2023
Instrument	2023255732
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	AMERICAN GUARDIAN TITLE USA INC, AMERICAN GUARDIAN TTL USA IN

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,570.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	613 VAIN PARK DRIVE, VALRICO, FL 33594

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4525 RIVER OVERLOOK DR, VALRICO, FL 33596-7827

Mortgage

Document Number	0000255733
Date	Jun 12, 2023
Instrument	2023255733

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	4525 RIVER OVERLOOK DR, VALRICO, FL 33596-7827
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000180319
Date	Apr 29, 2020
Instrument	2020180319

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jan 21, 2021
Property Address	4525 RIVER OVERLOOK DR, VALRICO, FL 33596-7827
Document Number	0000031572
Map Reference	MB 85 PG 44
Instrument Date	Jan 20, 2021
Instrument	2021031572
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	ALL AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10616 SHADY FALLS CT, 10616, RIVERVIEW, FL 33578-5420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4525 RIVER OVERLOOK DR, VALRICO, FL 33596-7827

Mortgage

Document Number	0000031573
Date	Jan 21, 2021
Instrument	2021031573

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4525 River Overlook Dr was $8,144 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		$438,226 (-1.84%) Land $103,411 Building $334,815	$438,226 (-1.84%) Land $103,411 Building $334,815
2025	$8,144.00 Homeowner's exemption	$446,424 Land $103,411 Building $343,013	$446,424 Land $103,411 Building $343,013
2023	$7,007.00 (+17.57%) Homeowner's exemption Veteran's exemption	$412,681 (+15.8%)	$415,237 (+16.52%) Land $94,010 Building $321,227
2022	$5,960.00 Homeowner's exemption Veteran's exemption	$356,376 Land $75,208 Building $281,168	$356,376 Land $75,208 Building $281,168

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

Flood

FEMA maps place 4525 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 4525 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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