Hillsborough County property record for 4932 Willow Ridge Ter, Valrico, FL 33596
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,171 sqft · built 1993 |
| Lot Size | 0.266 acres (11,565 sqft) |
| Owner | Individual Name on File |
| Last Sale | $300,000 (Mar 2017) |
| Tax Bill | $5,156 (2025) |
| Deeds & Mortgages | Dec 2017 Line of Credit Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 087538-0946 |
| Primary APN | 087538-0946 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,171 sqft Living Area |
| Gross Area | 3,041 sqft |
| 1st Floor Area | 2,171 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 11,565 sqft (0.266 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 588 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 330 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 282 sqft |
| Deck Area | Deck Area |
| Patio Area | 377 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0875380946 |
|---|---|
| Street Address | 4932 WILLOW RIDGE TER |
| City | VALRICO |
| State | FL |
| Zip | 33596-8238 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | RIVER HILLS COUNTRY CLUB PHASE 1A PARCEL 7 LOT 39 BLOCK 2 |
| Legal Range | 21E |
| Legal Township | 30S |
| Legal Section | 09 |
| Legal Subdivision | RIVER HILLS COUNTRY CLUB PHASE 1A PARCEL |
| Legal Tract | 374 |
| Legal Block | 2 |
| Legal Lot Number | 39 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | BRANDON |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 13208 |
4932 Willow Ridge Ter is owned and occupied by an individual who bought it in March 2017.
Source: Hillsborough County records, as of September 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4932 WILLOW RIDGE TER, VALRICO, FL 33596-8238 |
| 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.
| Date | Document |
|---|---|
| Dec 8, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Mar 9, 2017 | Warranty Deed, Transfer · Conventional Mortgage FRANKLIN AMERICAN MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 9, 2017 · Amount on File |
| Deed Sale | Mar 9, 2017 · Amount on File |
| Prior Sale | Dec 29, 1993 · Amount on File |
| Deed Document Number | 201792973 |
| Deed Book / Page | 24786 / 1500 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 4932 WILLOW RIDGE TER, VALRICO, FL 33596-8238 |
| Document Number | 0254391645 |
| Instrument Date | Dec 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 4932 WILLOW RIDGE TER VALRICO FL 335968238, VALRICO, FL 33596-8238 |
| Document Number | 0254391645 |
|---|---|
| Date | Dec 18, 2017 |
| Book Page | 025439/001645 |
| Instrument | 487582 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 17, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Mar 9, 2017 |
| Property Address | 4932 WILLOW RIDGE TER, VALRICO, FL 33596-8238 |
| Document Number | 0000092973 |
| Book / Page | 24786 / 1500 |
| Map Reference | MB70 PG31 |
| Instrument Date | Mar 3, 2017 |
| Instrument | 2017092973 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | HILLSBOROUGH TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20307 MOSS BRANCH CT, 20307, LUTZ, FL 33558-8309 |
| Name | Verified Name |
|---|---|
| Address | 4932 WILLOW RIDGE TER, VALRICO, FL 33596-8238 |
| Document Number | 0000092974 |
|---|---|
| Date | Mar 9, 2017 |
| Instrument | 2017092974 |
| Name | FRANKLIN AMERICAN MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2032 |
The 2025 property tax bill for 4932 Willow Ridge Ter was $5,156 with a homeowner's exemption.
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 | $308,467 (+2.7%) | $383,435 (-1.78%) Land $113,625 Building $269,810 | |
| 2025 | $5,156.00 Homeowner's exemption Widower's exemption | $300,357 | $390,367 Land $113,625 Building $276,742 |
| 2023 | $4,673.00 (+4.35%) Homeowner's exemption | $283,390 (+3%) | $392,912 (+4.25%) Land $102,262 Building $290,650 |
| 2022 | $4,478.00 Homeowner's exemption | $275,136 | $376,902 Land $102,262 Building $274,640 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4932 Willow Ridge Ter in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1997.
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 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 4932 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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