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Single Family ResidenceResidential
$583,189$204 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $218,271 on Jun 25, 1996

3909 SADDLE RIDGE ST

VALRICO, FL 33596
4
Beds
3
Baths
2,852 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.27 ac
Lot SizeThe size of the land the home sits on, from county records.
1996
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$583K
$540K low$627K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$218,271 · Jun 25, 1996
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$55,689
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$44,551
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.87%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$427,500
BRIDGEVIEW BANK MORTGAGE LLC · recorded Aug 22, 2014
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$100,000
COMMUNITY SOUTHERN BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,390 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$245,960 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$239,028
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$434,452

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.47
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
30
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
98
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
75
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
34
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Contemporary
CountyHillsborough
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2010
Lot (acres)The size of the land the home sits on, from county records.0.27
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.Pool W/Hot Tub/Spa
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 304 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(1)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Lithia Springs Elementary SchoolA-
Elementary · Grades KG–5 · 0.4 mi
M
General James D. Randall Middle SchoolA
Middle · Grades 6–8 · 2.0 mi
H
Bloomingdale High SchoolA-
High · Grades 9–12 · 2.3 mi

District: Hillsborough County School District

Neighborhood · ZIP 33596These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.25
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.260
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.17

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.34%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.31,287
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,420 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$111,389
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$133,480
Average tempThe average temperature here across a full year.73°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.66%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3909 Saddle Ridge St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 82% of homes in Valrico 33596
  • Bigger than 88% of homes in Hillsborough County
  • Has a bigger lot than 75% of homes in Hillsborough County

What homes are worth in Valrico 33596

Each bar is how many homes fall in that price range. The marker is this home.

This home
$264K$855K

This home is worth more than 82% of homes in Valrico 33596.

How it measures up in Valrico 33596

The dot is this home. The mark in the middle is the typical home in Valrico 33596.

Estimated value$583,189
CheaperTypical $462,624Pricier

Pricier than 82% of homes nearby

Price per ft²$204
CheaperTypical $211Pricier

Pricier than 39% of homes nearby

Living area2,852 ft²
SmallerTypical 2,222 ft²Bigger

Bigger than 85% of homes nearby

Lot size0.27 ac
SmallerTypical 0.23 acBigger

Bigger than 62% of homes nearby

Year built1996
OlderTypical 1993Newer

Newer than 64% of homes nearby

How 3909 Saddle Ridge St ranks against every home in each area.
MeasureThis homeValrico 33596Hillsborough County
Estimated valuepricier than$583,18982% of homes82% of homes
Price per ft²pricier than$20439% of homes41% of homes
Living areabigger than2,852 ft²85% of homes88% of homes
Lot sizebigger than0.27 ac62% of homes75% of homes
Year builtnewer than199664% of homes55% of homes

About 3909 Saddle Ridge St

How much is 3909 Saddle Ridge St, Valrico, FL worth?

The TopHap Estimate for 3909 Saddle Ridge St, Valrico, FL is $583,189 as of Jul 14, 2026. The likely range is $539,614 to $626,764. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3909 Saddle Ridge St, Valrico, FL last sell?

3909 Saddle Ridge St, Valrico, FL last sold on Jun 25, 1996 for $218,271, according to the county's recorded deed.

How big is 3909 Saddle Ridge St, Valrico, FL?

3909 Saddle Ridge St, Valrico, FL has 4 bedrooms, 3 bathrooms, 2,852 square feet of living space and a 0.27-acre lot.

When was 3909 Saddle Ridge St, Valrico, FL built?

3909 Saddle Ridge St, Valrico, FL was built in 1996, making it 30 years old. It is a contemporary home. The building has 1 story.

What schools serve 3909 Saddle Ridge St, Valrico, FL?

3909 Saddle Ridge St, Valrico, FL is assigned to Lithia Springs Elementary School (elementary), rated A-; General James D. Randall Middle School (middle), rated A; Bloomingdale High School (high), rated A-. All sit in Hillsborough County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3909 Saddle Ridge St, Valrico, FL compare to other homes in Valrico 33596?

Among the 10,233 homes in Valrico 33596, it is worth more than 82% of them ($583,189 against a typical $462,624), its price per square foot is higher than 39% of them ($204 against a typical $211), it is bigger than 85% of them (2,852 ft² against a typical 2,222 ft²), its lot is bigger than 62% of them (0.27 ac against a typical 0.23 ac) and it is newer than 64% of them (1996 against a typical 1993). Measured against all of Hillsborough County, it is worth more than 82% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3909 Saddle Ridge St, Valrico, FL?

The 2025 property tax bill for 3909 Saddle Ridge St, Valrico, FL was $4,390. The county assessed it at $245,960.

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Assigned schools

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