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Single Family ResidenceResidential
$629,080$237 / 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 94How 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

3404 VALLEY RANCH DR

LUTZ, FL 33548
4
Beds
3
Baths
2,649 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.
0.31 ac
Lot SizeThe size of the land the home sits on, from county records.
1989
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

$629K
$591K low$667K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,412 (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.$248,026 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$241,036
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$434,510

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.61
84
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
31
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
97
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
67
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
29
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.91 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

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.2007
Lot (acres)The size of the land the home sits on, from county records.0.31
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
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 353 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.

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

E
Schwarzkopf Elementary SchoolA+
Elementary · Grades PK–5 · 1.6 mi
H
George M. Steinbrenner High SchoolB
High · Grades 9–12 · 3.6 mi
M
Bob Martinez Middle SchoolA+
Middle · Grades 6–8 · 3.7 mi

District: Hillsborough County School District

Neighborhood · ZIP 33548These 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.88
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.125
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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.8%
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.8,885
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,053 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$120,520
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$148,734
Average tempThe average temperature here across a full year.72°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.66%

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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

3404 Valley Ranch Dr 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 95% of homes in North Lakes
  • Costs less per square foot than 67% of homes in Lutz 33548
  • Bigger than 96% of homes in North Lakes
  • Has a bigger lot than 88% of homes in North Lakes
  • Newer than 86% of homes in North Lakes

What homes are worth in Lutz 33548

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

This home
$256K$1.9M

This home is worth more than 49% of homes in Lutz 33548.

How it measures up in Lutz 33548

The dot is this home. The mark in the middle is the typical home in Lutz 33548.

Estimated value$629,080
CheaperTypical $635,573Pricier

Pricier than 49% of homes nearby

Price per ft²$237
CheaperTypical $255Pricier

Pricier than 33% of homes nearby

Living area2,649 ft²
SmallerTypical 2,495 ft²Bigger

Bigger than 56% of homes nearby

Lot size0.31 ac
SmallerTypical 0.5 acBigger

Bigger than 25% of homes nearby

Year built1989
OlderTypical 1987Newer

Newer than 55% of homes nearby

How 3404 Valley Ranch Dr ranks against every home in each area.
MeasureThis homeNorth LakesLutz 33548Hillsborough County
Estimated valuepricier than$629,08095% of homes49% of homes85% of homes
Price per ft²pricier than$23758% of homes33% of homes61% of homes
Living areabigger than2,649 ft²96% of homes56% of homes85% of homes
Lot sizebigger than0.31 ac88% of homes25% of homes79% of homes
Year builtnewer than198986% of homes55% of homes48% of homes

About 3404 Valley Ranch Dr

How much is 3404 Valley Ranch Dr, Lutz, FL worth?

The TopHap Estimate for 3404 Valley Ranch Dr, Lutz, FL is $629,080 as of Jul 14, 2026. The likely range is $591,344 to $666,816. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3404 Valley Ranch Dr, Lutz, FL last sell?

3404 Valley Ranch Dr, Lutz, FL last sold on Oct 6, 2010, according to the county's recorded deed.

How big is 3404 Valley Ranch Dr, Lutz, FL?

3404 Valley Ranch Dr, Lutz, FL has 4 bedrooms, 3 bathrooms, 2,649 square feet of living space and a 0.31-acre lot.

When was 3404 Valley Ranch Dr, Lutz, FL built?

3404 Valley Ranch Dr, Lutz, FL was built in 1989, making it 37 years old. It is a contemporary home. The building has 1 story.

What schools serve 3404 Valley Ranch Dr, Lutz, FL?

3404 Valley Ranch Dr, Lutz, FL is assigned to Schwarzkopf Elementary School (elementary), rated A+; George M. Steinbrenner High School (high), rated B; Bob Martinez Middle School (middle), rated A+. All sit in Hillsborough County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3404 Valley Ranch Dr, Lutz, FL compare to other homes in Lutz 33548?

Among the 2,838 homes in Lutz 33548, it is worth more than 49% of them ($629,080 against a typical $635,573), its price per square foot is higher than 33% of them ($237 against a typical $255), it is bigger than 56% of them (2,649 ft² against a typical 2,495 ft²), its lot is bigger than 25% of them (0.31 ac against a typical 0.5 ac) and it is newer than 55% of them (1989 against a typical 1987). Measured against all of Hillsborough County, it is worth more than 85% 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 3404 Valley Ranch Dr, Lutz, FL?

The 2025 property tax bill for 3404 Valley Ranch Dr, Lutz, FL was $4,412. The county assessed it at $248,026.

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