4209 AMBER RIDGE LANE, VALRICO, FL, 33594
Active3 days on marketListed Aug 14, 2026MLS #TB8538021
Come see it
Upcoming open house
Sat, Aug 22
5:00 PM – 7:00 PM
About this home
4209 AMBER RIDGE LANE
Welcome to this beautifully refreshed home in a desirable community with a low HOA and no CDD fees! Fresh paint inside and out gives the home a clean, move-in-ready feel, while important updates provide peace of mind for years to come. The roof was replaced in 2016, HVAC in 2017, windows and sliding glass door in 2019, and water heater in 2024. Outside, you'll love the great side yard, offering plenty of room for outdoor enjoyment, gardening, pets, or creating your own private retreat. With its combination of thoughtful updates, fresh finishes, and an affordable HOA, this home is an excellent opportunity for buyers looking for comfort and value. Don't miss your chance to make this well-maintained home your own!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,008
Sqft
0.19 ac
Lot size
2
Garage
1997
Year built
One
Levels
$203
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.
$2,951 /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
$2,951/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
+17.1%
$/sqft vs Valrico actives
$203 vs $214
Days on market
3 vs 33 typical
Where $203/sqft sits among the 199 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 Copper Ridge
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Valrico. See the full Valrico guide →
Copper Ridge — neighborhood snapshot
Population
2,499
Median age
44
Median income
$110,903
Median home value
$226,257
Avg household
3
Households w/ children
192
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)
113 of 199
Valrico actives have cut their price
Median sold price, Valrico, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% below the VALRICO 33594 median. See the full Valrico market guide →
Paper trail
This home's history
Reality check
What actually sold near 4209 AMBER RIDGE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$402,000
4223 AMBER RIDGE LANE · same community
4 bd · 2 ba · 1,775 sqft · $226/sqft · 12 DOM
Sold · Jul ’26$400,000
2212 MISTY RIDGE LANE
4 bd · 2 ba · 1,998 sqft · $200/sqft · 24 DOM
Sold · Dec ’25$360,000
1813 LAUREL OAK DRIVE
3 bd · 2 ba · 1,998 sqft · $180/sqft · 153 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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4209 AMBER RIDGE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4209 AMBER RIDGE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4209 AMBER RIDGE LANE FAQs
What would the monthly payment be for 4209 AMBER RIDGE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,951/mo — principal and interest, the actual property-tax bill, the $27/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 4209 AMBER RIDGE LANE?+
The association fee works out to $27 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4209 AMBER RIDGE LANE?+
The most recent tax bill on record (2024) was $2,180. 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 4209 AMBER RIDGE LANE?+
The listing reports pets: Cats OK, Dogs OK. 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 $408,000, this home is listed about 14% below the Valrico median of $475,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4209 AMBER RIDGE LANE?+
Mulrennan Middle School (middle), Nelson Elementary School (elementary), Durant High School (high), 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 YELLOWFIN REALTY · Karyn Scech. MLS #TB8538021.
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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