4527 River Overlook Dr, Valrico, FL 33596 Property Records

Hillsborough County property record for 4527 River Overlook Dr, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,221 sqft · built 1999
Lot Size	0.411 acres (17,904 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (May 2018)
Tax Bill	$759 (2025)
Deeds & Mortgages	Oct 2020 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`074762-9410`

Property Details

APN / Parcel Number

Primary APN	`074762-9410`
Alternative APN	`U1330202QD000001000320`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,221 sqft Living Area
Gross Area	4,471 sqft
1st Floor Area	2,327 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2012
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	17,904 sqft (0.411 acres)
Lot Dimensions	139 ft deep x 81 ft wide
Garage Type	Attached
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	360 sqft
Porch	Florida Room
Porch Area	1,535 sqft
Deck Area	Deck Area
Patio Area	690 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0747629410
Street Address	4527 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 32 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	32
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	WIMAUMA-RIVERVIEW
Census Block Group	1
Census Block	1018
Census Tract	13415

Owner

4527 River Overlook Dr is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	4527 RIVER OVERLOOK DR, VALRICO, FL 33596-7827
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
Oct 6, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS
May 21, 2018	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2018 · Amount on File
Deed Sale	May 21, 2018 · Amount on File
Prior Sale	Jul 14, 1999 · Amount on File
Deed Document Number	2018199604
Deed Book / Page	25779 / 1544
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	4527 RIVER OVERLOOK DR, VALRICO, FL 33596-7827
Document Number	0000532592
Instrument Date	Oct 6, 2020
Transaction Type	Mortgage
Record Updated	Jan 12, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4527 RIVER OVERLOOK DR VALRICO FL 335967827, VALRICO, FL 33596-7827

Mortgage

Document Number	0000532592
Date	Dec 16, 2020
Instrument	532592

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 15, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	May 21, 2018
Property Address	4527 RIVER OVERLOOK DR, VALRICO, FL 33596-7827
Document Number	0000199604
Book / Page	25779 / 1544
Map Reference	MB 85 PG 44
Instrument Date	May 15, 2018
Instrument	2018199604
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	FIDELITY NATIONAL TITLE OF F

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4527 RIVER OVERLOOK DR, VALRICO, FL 33596-7827

Mortgage

Document Number	0000199605
Date	May 21, 2018
Instrument	2018199605

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4527 River Overlook Dr was $759.

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		$366,262 (+2.7%)	$480,119 (-1.23%) Land $121,372 Building $358,747
2025	$759.00 Disabled Person's exemption Veteran's exemption	$356,633	$486,081 Land $121,372 Building $364,709
2023	$652.00 (+19.2%) Disabled Person's exemption Veteran's exemption	$336,487 (+3%)	$456,974 (+4.03%) Land $110,338 Building $346,636
2022	$547.00 Disabled Person's exemption Veteran's exemption	$326,686	$439,275 Land $88,271 Building $351,004

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

Flood

FEMA maps place 4527 River Overlook Dr 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 4527 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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