4531 River Overlook Dr, Valrico, FL 33596 Property Records

Hillsborough County property record for 4531 River Overlook Dr, Valrico, FL 33596

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,246 sqft · built 1999
Lot Size	0.199 acres (8,661 sqft)
Owner	2 Individual Names on Record
Last Sale	$492,000 (Oct 2025)
Tax Bill	$5,775 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`074762-9414`

Property Details

APN / Parcel Number

Primary APN	`074762-9414`
Alternative APN	`U1330202QD000001000340`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,246 sqft Living Area
Gross Area	2,952 sqft
1st Floor Area	2,246 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2017
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,661 sqft (0.199 acres)
Lot Dimensions	115 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces
Pool Area	290 sqft
Porch	Open Porch
Porch Area	211 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0747629414
Street Address	4531 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 34 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	34
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	WIMAUMA-RIVERVIEW
Census Block Group	1
Census Block	1018
Census Tract	13415

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4531 RIVER OVERLOOK DR, VALRICO, FL 33596-7827
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 23, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 31, 2025	Warranty Deed, Transfer · VA Mortgage UNITED MUTUAL FUNDING CORP
Mar 23, 2020	Warranty Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2025 · Amount on Record
Deed Sale	Oct 31, 2025 · Amount on Record
Prior Sale	Mar 23, 2020 · Amount on Record
Deed Document Number	2025467210
Prior Transfer Date	Aug 6, 2015
Prior Transfer Doc	0000413768
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	4531 RIVER OVERLOOK DR, VALRICO, FL 33596-7827
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4531 RIVER OVERLOOK DR, VALRICO, FL 33596-7827
Investor	Possibly a Property Investor

Mortgage

Document Number	0000285051
Date	Jun 7, 2021
Instrument	2021285051

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jun 1, 2050

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	4531 RIVER OVERLOOK DR, VALRICO, FL 33596-7827
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4531 RIVER OVERLOOK DR, VALRICO, FL 33596-7827
Investor	Possibly a Property Investor

Mortgage

Document Number	0000031055
Date	Jan 23, 2024
Instrument	2024031055

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Oct 31, 2025
Property Address	4531 RIVER OVERLOOK DR, VALRICO, FL 33596-7827
Document Number	0000467210
Map Reference	MB 85 PG 44
Instrument Date	Oct 30, 2025
Instrument	2025467210
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	AMERICS TITLE CORPORATION, AMERICAS TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,444.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18105 SERENE LAKE LOOP, LUTZ, FL 33548-7502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4531 RIVER OVERLOOK DR, VALRICO, FL 33596-7827

Mortgage

Document Number	0000467211
Date	Oct 31, 2025
Instrument	2025467211

Lender

Name	UNITED MUTUAL FUNDING CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Mar 23, 2020
Property Address	4531 RIVER OVERLOOK DR, VALRICO, FL 33596-7827
Document Number	0000117559
Map Reference	MB 85 PG 44
Instrument Date	Mar 14, 2020
Instrument	2020117559
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	CITY TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1212 RACHEL ANNE DR, 1212, BELMONT, NC 28012-6527

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4531 RIVER OVERLOOK DR, VALRICO, FL 33596-7827
Investor	Possibly a Property Investor

Mortgage

Document Number	0000117560
Date	Mar 23, 2020
Instrument	2020117560

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

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		$399,010 (+25.04%) Land $95,824 Building $303,186	$399,010 (-2.16%) Land $95,824 Building $303,186
2025	$5,775.00 (+13.08%) Homeowner's exemption	$319,107 (+5.99%)	$407,830 (+8.34%) Land $95,824 Building $312,006
2023	$5,107.00 (+4.59%) Homeowner's exemption	$301,082 (+3%)	$376,449 (+3.62%) Land $87,112 Building $289,337
2022	$4,883.00 Homeowner's exemption	$292,313	$363,297 Land $69,690 Building $293,607

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

Flood

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 Record 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

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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