4605 OAK RIVER CIRCLE, VALRICO, FL, 33596
Active11 days on marketListed Oct 1, 2026MLS #TB8553933
About this home
4605 OAK RIVER CIRCLE
Come experience this Bloomingdale Beauty! Pride of ownership shines throughout this impeccably maintained 3-bedroom, 2-bath home featuring a bonus room and a dedicated office—perfect for today’s flexible lifestyle. From the moment you arrive, you’ll notice the impressive curb appeal and lush, mature landscaping that surrounds the property. Step inside to find stunning new flooring, cathedral ceilings, and a bright, welcoming layout. The kitchen features a beautiful double oven and well-kept appliances, offering an ideal space for cooking and entertaining. All bedrooms are generously sized, and the bonus room and office provide plenty of options for work, play, or relaxation. Make your way to the backyard to enjoy true Florida living. A screened-in porch offers the perfect spot to sip your morning coffee or unwind in the evenings. Beyond the porch, a spacious, fully pavered patio awaits—complete with a built-in fire pit for cozy nights under the stars. Additional upgrades include hurricane-impact windows and doors throughout, a new A/C unit installed in 2022, and exterior paint completed with long-lasting Lifetime paint. This home has been exceptionally cared for, and it shows the moment you pull into the driveway. Don’t miss your chance to see this gem in person!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,976
Sqft
0.18 ac
Lot size
2
Garage
1994
Year built
One
Levels
$202
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.
$2,932 /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
$2,932/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
+1.9%
$/sqft vs Valrico actives
$202 vs $212
Days on market
11 vs 53 typical
Where $202/sqft sits among the 203 Valrico actives
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 →
VALRICO 33596 — neighborhood snapshot
Population
28,152
Median age
45.9
Median income
$112,305
Median home value
$396,100
Avg household
2.8
Households w/ children
2,906
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 → $433K
Valrico median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
125 of 203
Valrico actives have cut their price
Median sold price, Valrico, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% below the VALRICO 33596 median. See the full Valrico market guide →
Paper trail
This home's history
Reality check
What actually sold near 4605 OAK RIVER CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$359,000
5853 REDHAWK DRIVE · same community
3 bd · 2 ba · 2,022 sqft · $178/sqft · 196 DOM
Sold · Nov ’25$355,000
5514 GANNETT COURT · same community
3 bd · 2.5 ba · 2,022 sqft · $176/sqft · 10 DOM
Sold · Sep ’26$422,000
5654 MOSSBERG DRIVE · same community
3 bd · 2 ba · 2,026 sqft · $208/sqft · 73 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4605 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 4605 OAK RIVER CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4605 OAK RIVER CIRCLE FAQs
What would the monthly payment be for 4605 OAK RIVER CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,932/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 4605 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 4605 OAK RIVER CIRCLE?+
The most recent tax bill on record (2025) was $2,820. 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 4605 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 $399,999, this home is listed about 9% below the Valrico median of $439,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4605 OAK RIVER CIRCLE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of MORRIS REALTY · Matthew Lyons. MLS #TB8553933.
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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