4609 OAK RIVER CIRCLE, VALRICO, FL, 33596
Active1 days on marketListed Aug 5, 2026MLS #TB8535976
About this home
4609 OAK RIVER CIRCLE
Move-in ready and designed for Florida living, this spacious pool home in the desirable River Crossing community offers four bedrooms, two bathrooms, a versatile bonus room, and 2,033 square feet of thoughtfully arranged living space. Mature landscaping and an irrigated front lawn create attractive curb appeal, while the split-bedroom floor plan provides privacy and flexibility for everyday living. Just inside, the formal living room offers a direct view of the screened pool and spa, immediately drawing your attention toward the home’s inviting outdoor retreat. At the center of the home, the open kitchen and family room create a comfortable gathering space for entertaining, relaxing, and spending time together. The freshly painted kitchen features granite countertops, stainless steel appliances, ceramic tile flooring, abundant cabinetry, and plenty of room for meal preparation and casual dining. An additional bonus room offers flexible space for a home office, playroom, fitness area, media room, or guest accommodations. Tucked away from the secondary bedrooms, the private primary suite features new carpeting, dual closets, and an en-suite bathroom with granite countertops, dual sinks, a garden tub, and a separate shower with a newer glass enclosure. Three additional bedrooms provide plenty of room for family, guests, or hobbies. The second bathroom includes convenient access to the pool area, making it ideal for indoor-outdoor living, and the adjoining laundry space comes equipped with a washer and dryer. Step outside to enjoy the screened pool and spa, expansive deck area, and fully fenced backyard. Whether hosting weekend gatherings, cooling off on a sunny afternoon, or unwinding in the spa at the end of the day, this outdoor space is ready to be enjoyed year-round. Fresh interior paint, new carpeting, updated light fixtures, ceiling fans throughout the bedrooms and family room, and a well-maintained interior make this home truly move-in ready. Conveniently located near shopping, dining, schools, recreation, and everyday amenities, this River Crossing pool home offers the space, comfort, and lifestyle you are looking for. Call now and be the first to schedule the viewing today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,033
Sqft
0.18 ac
Lot size
3
Garage
1991
Year built
One
Levels
$234
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.
$3,422 /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
$3,422/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
+1.8%
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 Valrico
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Valrico. See the full Valrico guide →
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 1% above the Valrico 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 4609 OAK RIVER CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4609 OAK RIVER CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4609 OAK RIVER CIRCLE FAQs
What would the monthly payment be for 4609 OAK RIVER CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,422/mo — principal and interest, the actual property-tax bill, the $5/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 4609 OAK RIVER CIRCLE?+
The association fee works out to $5 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4609 OAK RIVER CIRCLE?+
The most recent tax bill on record (2025) was $3,003. 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 4609 OAK RIVER CIRCLE?+
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 $475,000, this home is listed about 1% above the Valrico median of $469,900. The market section on this page shows how the area is trending.
Listing courtesy of LPT REALTY LLC · Andrew Duncan. MLS #TB8535976.
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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