4634 RIVER OVERLOOK DRIVE, VALRICO, FL, 33596
Active1 days on marketListed Aug 5, 2026MLS #TB8535491
About this home
4634 RIVER OVERLOOK DRIVE
If you’ve been looking for a home with real space, a great layout and an outdoor area you’ll actually use, 4634 River Overlook Drive checks all the boxes. This 5-bedroom, 4-bath pool home offers 2,771 square feet, a three-car garage and plenty of room for a growing family, guests and working from home. The first floor features an open kitchen and family room, along with separate formal living and dining spaces. The primary suite is also downstairs, giving you privacy and convenience. Upstairs, the bonus room gives the kids a place to hang out, creates a great media or game room, or provides additional space for guests. With five true bedrooms, four full bathrooms and a smart split-bedroom layout, this home has the flexibility most families are looking for. The backyard is the real showstopper. Step through the screened lanai to a large pool and spa with a waterfall, all surrounded by a private, fully fenced yard. One of the four bathrooms doubles as a pool bath. It’s an ideal setup for entertaining, family get-togethers or relaxing by the pool after a long day. Add in the three-car garage, generous storage, A-rated Hillsborough County school district and a convenient Valrico location, and you have a home that’s hard to match. This isn’t just another five-bedroom house—it’s a home built for family life, entertaining and enjoying Florida the way it was meant to be enjoyed.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
2,771
Sqft
0.21 ac
Lot size
3
Garage
2001
Year built
One
Levels
$198
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,422 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,422/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−13.2%
Days on market
1 vs 36 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside The Estates At River Crossing
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Valrico. See the full Valrico guide →
The Estates At River Crossing — neighborhood snapshot
Population
1,025
Median age
41
Median income
$141,120
Median home value
$362,400
Avg household
3
Households w/ children
108
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Valrico market
$450K → $437K
Valrico median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
Median sold price, Valrico, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 17% above the VALRICO 33596 median. See the full Valrico market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4634 RIVER OVERLOOK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4634 RIVER OVERLOOK DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Colleen's phone and CRM.
Straight answers
4634 RIVER OVERLOOK DRIVE FAQs
What would the monthly payment be for 4634 RIVER OVERLOOK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,422/mo — principal and interest, the actual property-tax bill, the $21/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 4634 RIVER OVERLOOK DRIVE?+
The association fee works out to $21 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4634 RIVER OVERLOOK DRIVE?+
The most recent tax bill on record (2025) was $9,123. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4634 RIVER OVERLOOK DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Valrico?+
At $549,900, this home is listed about 17% above the Valrico median of $469,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4634 RIVER OVERLOOK DRIVE?+
Cimino Elementary School (elementary), Bloomingdale High School (high), Burns Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$549,900 runs 17% above the VALRICO 33596 median — but at 2,771 sqft it's also 27% larger than the typical Valrico listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 1 day on market in a Valrico market that averages 36 — if it fits, move quickly.
04Strong assigned schools
Cimino Elementary School, Bloomingdale High School, Burns Middle School, Patricia Sullivan Metropolitan Ministries Partnership School — Cimino Elementary School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of PINEYWOODS REALTY LLC · Stephen Scott Pa. MLS #TB8535491.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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