Hillsborough County property record for 4808 Willow Ridge Ter, Valrico, FL 33596
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,861 sqft · built 1993 |
| Lot Size | 0.227 acres (9,888 sqft) |
| Owner | Individual Name on File |
| Last Sale | $447,500 (Apr 2025) |
| Tax Bill | $4,180 (2025) |
| Deeds & Mortgages | Apr 2025 Sale & Mortgage Oct 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 087538-0972 |
| Primary APN | 087538-0972 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,861 sqft Living Area |
| Gross Area | 2,606 sqft |
| 1st Floor Area | 1,861 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 9,888 sqft (0.227 acres) |
| Lot Dimensions | 122 ft deep x 77 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened Porch |
|---|---|
| Porch Area | 283 sqft |
| Deck Area | 297 sqft |
| Patio Area | 297 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0875380972 |
|---|---|
| Street Address | 4808 WILLOW RIDGE TER |
| City | VALRICO |
| State | FL |
| Zip | 33596-8240 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | RIVER HILLS COUNTRY CLUB PHASE 1A PARCEL 7 LOT 9 BLOCK 3 |
| Legal Range | 21E |
| Legal Township | 30S |
| Legal Section | 09 |
| Legal Subdivision | RIVER HILLS COUNTRY CLUB PHASE 1A PARCEL |
| Legal Tract | 374 |
| Legal Block | 3 |
| Legal Lot Number | 9 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | BRANDON |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 13208 |
4808 Willow Ridge Ter is owned and occupied by an individual who bought it in April 2025.
Source: Hillsborough County records, as of September 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4808 WILLOW RIDGE TER, VALRICO, FL 33596-8240 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 1, 2025 | Warranty Deed, Transfer · Conventional Mortgage MLD MORTGAGE |
| Oct 31, 2023 | Deed of Trust, Mortgage · Line of Credit SUNCOAST CU |
| Jun 18, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Feb 7, 2018 | Warranty Deed, Transfer · FHA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2025 · Amount on File |
| Deed Sale | Apr 1, 2025 · Amount on File |
| Prior Sale | Feb 7, 2018 · Amount on File |
| Deed Document Number | 2025140433 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Apr 1, 2025 |
| Property Address | 4808 WILLOW RIDGE TER, VALRICO, FL 33596-8240 |
| Document Number | 0000140433 |
| Map Reference | MB 70 PG 31 |
| Instrument Date | Mar 20, 2025 |
| Instrument | 2025140433 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | EXECUTIVE TITLE, EXECUTIVE TITLE OF FL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,132.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3015 VALLEY RIDGE RD # RD425, RD425, DAVENPORT, FL 33837-8528 |
| Name | Verified Name |
|---|---|
| Address | 4808 WILLOW RIDGE TERRACE, TERRA CEIA, FL 34250 |
| Document Number | 0000140434 |
|---|---|
| Date | Apr 1, 2025 |
| Instrument | 2025140434 |
| Name | MLD MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 4808 WILLOW RIDGE TER, VALRICO, FL 33596-8240 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4808 WILLOW RIDGE TER, VALRICO, FL 33596-8240 |
| Document Number | 0000496621 |
|---|---|
| Date | Oct 31, 2023 |
| Instrument | 2023496621 |
| Name | SUNCOAST CU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33680 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 156 Months |
| Due | Oct 30, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 4808 WILLOW RIDGE TER, VALRICO, FL 33596-8240 |
| Document Number | 0000367214 |
| Instrument Date | Jun 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2020 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4808 WILLOW RIDGE TER VALRICO FL 335968240, VALRICO, FL 33596-8240 |
| Document Number | 0000367214 |
|---|---|
| Date | Sep 9, 2020 |
| Instrument | 367214 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Sep 8, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Feb 7, 2018 |
| Property Address | 4808 WILLOW RIDGE TER, VALRICO, FL 33596-8240 |
| Document Number | 0000053351 |
| Book / Page | 25546 / 1695 |
| Map Reference | MB70 PG31 |
| Instrument Date | Feb 2, 2018 |
| Instrument | 2018053351 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | EXCUTIVE TITLE OF FLORIDA IN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,736.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 611 KERNEYWOOD ST, 611, LAKELAND, FL 33803-3058 |
| Name | Verified Name |
|---|---|
| Address | 4808 WILLOW RIDGE TER, VALRICO, FL 33596-8240 |
| Document Number | 0000053352 |
|---|---|
| Date | Feb 7, 2018 |
| Instrument | 2018053352 |
| Name | GOLD STAR MORTGAGE FINANCIAL GROUP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2048 |
The 2025 property tax bill for 4808 Willow Ridge Ter was $4,180.
Source: Hillsborough County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Hillsborough County |
| Unified School District | Hillsborough County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $333,670 (+40.13%) Land $116,110 Building $217,560 | $333,670 (+1.62%) Land $116,110 Building $217,560 | |
| 2025 | $4,180.00 Homeowner's exemption | $238,122 | $328,350 Land $116,110 Building $212,240 |
| 2023 | $3,652.00 (+4.94%) Homeowner's exemption | $224,671 (+3%) | $310,349 (-1.48%) Land $104,499 Building $205,850 |
| 2022 | $3,480.00 Homeowner's exemption | $218,127 | $315,018 Land $104,499 Building $210,519 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 4808 Willow Ridge Ter 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 48 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 48 in force |
| Nearby Flood Claims | 12 (1997–2024) |
| Claims Outside the SFHA | 1 of 12 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 risk around 4808 Willow Ridge Ter is moderate, ranking above 40% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 259 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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