1025 Reading Rd, Lutz, FL 33558 Property Records

Pasco County property record for 1025 Reading Rd, Lutz, FL 33558

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,661 sqft · built 1975
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on File
Last Sale	$487,000 (Sep 2025)
Tax Bill	$3,690 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Oct 2019 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`35-26-18-0010-00000-00B0`

Property Details

APN / Parcel Number

Primary APN	`35-26-18-0010-00000-00B0`
Alternative APNs	`18263500100000000B0` `1088908`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	3,661 sqft Living Area
Gross Area	4,233 sqft
1st Floor Area	3,133 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	37,462 sqft (0.86 acres)
Garage Type	Attached
Garage Area	572 sqft
Driveway	Concrete Driveway
Driveway Area	2,500 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Florida Room
Porch Area	1,376 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	1025 READING RD
City	LUTZ
State	FL
Zip	33558-5065
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	HOLLY LAKE ESTATES UNREC PLAT TR A&B COM AT SW COR OF SW1/4 OF SW1/4 TH S88DG270E ALG S BDY 99.28 FT TH N0DG220W PARALLEL TO W BDY 103 FT FOR POB TH N0DG220W 170 FT TO S R/W LN OF COUNTY RD TH N82DG 30.550E ALG R/W LN 89.95 FT TH N84DG23.510E 164.3 F
Legal Range	18E
Legal Township	26S
Legal Section	35
Legal Subdivision	HOLLY LAKE ESTATES
Legal Tract	10
Legal Lot Number	B
Jurisdiction	PASCO FL
Township / Civil Division	NEW PORT RICHEY
Census Block Group	2
Census Block	2028
Census Tract	31605

Owner

1025 Reading Rd is owned and occupied by two individuals who bought it in September 2025.

Source: Pasco County records, as of June 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1025 READING RD, LUTZ, FL 33558-5065
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2025	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 24, 2019	Warranty Deed, Transfer · Conventional Mortgage E LOANS MORTGAGE INC
Apr 9, 2018	Warranty Deed, Transfer COURTLAND TITLE SERVICES INC
Mar 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage ANTHONY PALANO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2025 · Amount on File
Deed Sale	Sep 10, 2025 · Amount on File
Prior Sale	Oct 24, 2019 · Amount on File
Deed Document Number	2025172465
Deed Book / Page	11278 / 1299
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Sep 10, 2025
Property Address	1025 READING RD, LUTZ, FL 33558-5065
Document Number	0112781299
Book / Page	11278 / 1299
Instrument Date	Sep 5, 2025
Instrument	2025172465
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	AWS TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,409.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6040 SW 28TH LN, JASPER, FL 32052-5092

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 READING RD, LUTZ, FL 33558-5065

Mortgage

Document Number	0112781301
Date	Sep 10, 2025
Instrument	11278/1301

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Mortgage

Document Number	0112781326
Date	Sep 10, 2025
Book Page	11278/1326
Instrument	2025172467

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Oct 24, 2019
Property Address	1025 READING RD, LUTZ, FL 33558-5065
Document Number	0099950444
Book / Page	9995 / 0444
Instrument Date	Oct 11, 2019
Instrument	2019181932
Transaction Type	Transfer
Record Updated	Dec 13, 2021
Title Company	PEER TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17633 GUNN HWY # 368, 17633, ODESSA, FL 33556-1912

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 READING RD, LUTZ, FL 33558-5065

Mortgage

Document Number	99950447
Date	Oct 24, 2019
Instrument	9995/0447

Lender

Name	E LOANS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Apr 9, 2018
Property Address	1025 READING RD, LUTZ, FL 33558-5065
Document Number	0097050320
Book / Page	009705 / 000320
Instrument Date	Mar 30, 2018
Instrument	57852
Transaction Type	Transfer
Record Updated	Apr 24, 2018
Title Company	COURTLAND TITLE SERVICES INC

Transaction

Amount	Amount on Record
Tax	$301.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	17633 GUNN HWY #368 ODESSA FL 335561912, 368, ODESSA, FL 33556-1912

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	1025 READING RD, LUTZ, FL 33558-5065
Document Number	0097162407
Instrument Date	Mar 28, 2018
Transaction Type	Mortgage
Record Updated	Mar 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	17633 GUNN HWY #368 ODESSA FL 335561912, 368, ODESSA, FL 33556-1912

Mortgage

Document Number	0097162407
Date	Apr 30, 2018
Book Page	009716/002407
Instrument	72152

Lender

Name	ANTHONY PALANO
Address	13191 STARKEY RD # 9, LARGO, FL 33773-1438

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Apr 29, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 1025 Reading Rd was $3,690, up 2.6% from the year before.

Source: Pasco County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pasco County
Unified School District	Pasco County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$292,571 (+17.91%) Land $42,368 Building $250,203	$292,571 (-1.34%) Land $42,368 Building $250,203
2025	$3,690.00 (+2.56%)	$248,140 (+2.9%) Land $42,368 Building $205,772	$296,552 (-1.31%) Land $42,368 Building $254,184
2024	$3,598.00 (+3.93%) Homeowner's exemption	$241,150 (+3%) Land $42,368 Building $198,782	$300,474 (+28.34%) Land $42,368 Building $258,106
2023	$3,462.00 (+28.99%) Additional exemption filed	$234,130 (+47.13%) Land $14,618 Building $219,512	$234,130 (+47.13%) Land $14,618 Building $219,512
2022	$2,684.00	$159,130 Land $14,618 Building $144,512	$159,130 Land $14,618 Building $144,512

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1025 Reading Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	64.3 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 158 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	187 units insured incl. 29 condo units
Nearby Flood Claims	21 (1997–2024)
Claims Outside the SFHA	2 of 21
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Sep 2017 · 4 claims Hurricane Frances, Sep 2004 · 5 claims Severe Storms, High Winds, Tornadoes, And Flooding, Dec 1997 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1025 Reading Rd is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Reading Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures