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1605 Gardner Dr, Lutz, FL 33559 Property Records

Pasco County property record for 1605 Gardner Dr, Lutz, FL 33559

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,649 sqft · built 1987
Lot Size0.155 acres (6,782 sqft)
Owner2 Owner Names on Record
Last Sale$140,000 (Jun 2009)
Tax Bill$1,552 (2025)
Deeds & MortgagesSep 2021 Mortgage
Jan 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN33-26-19-0010-00000-1220

Property Details

APN / Parcel Number

Primary APN33-26-19-0010-00000-1220
Alternative APNs
  • 1926330010000001220
  • 0841910

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,649 sqft Living Area
Gross Area2,333 sqft
1st Floor Area1,649 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1987
Exterior MaterialConcrete Block
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area6,782 sqft (0.155 acres)
View / LotWater
Garage Area441 sqft
DrivewayDriveway
Driveway Area512 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFinished/Screened Porch
Porch Area243 sqft
Deck Area144 sqft
Patio Area144 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Account Number0841910
Old Parcel Number1926330010000001220
Street Address1605 GARDNER DR
CityLUTZ
StateFL
Zip33559-3308
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code0PUD
Legal DescriptionCARPENTERS RUN PHASE 1 PB 24 PGS 122-124 LOT 122 OR 8106 PG 475
Legal Range19E
Legal Township26S
Legal Section33
Legal SubdivisionCARPENTERS RUN
Legal Phase1
Legal Tract10
Legal Lot Number122
JurisdictionPASCO FL
Township / Civil DivisionCENTRAL PASCO
Census Block Group3
Census Block3001
Census Tract32014

Owner

Source: Pasco County records, as of December 19, 2025

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

Owner of Record2 Owner Names on Record
Mailing Address1605 GARDNER DR, LUTZ, FL 33559-3308
OccupancyOwner Occupied

Deeds, Mortgages & Sale History

DateDocument
Sep 29, 2021Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Jan 2, 2019Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 15, 2009 · Amount on Record
Deed SaleJun 15, 2009 · Amount on Record
Prior SaleJan 4, 2001 · Amount on Record
Deed Document Number2009082841
Deed Book / Page8106 / 0475
Record UpdatedJun 8, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPASCO FL
Property Address1605 GARDNER DR, LUTZ, FL 33559-3308
Transaction TypeMortgage
Record UpdatedSep 13, 2023
Title CompanyAMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0104481984
DateSep 29, 2021
Book Page10448/1984
Instrument2021206879
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term145 Months
DueOct 1, 2033

January 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPASCO FL
Property Address1605 GARDNER DR, LUTZ, FL 33559-3308
Document Number0098413482
Instrument DateJan 2, 2019
Transaction TypeMortgage
Record UpdatedJan 24, 2019
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1605 GARDNER DR LUTZ FL 335593308, LUTZ, FL 33559-3308

Mortgage

Document Number0098413482
DateJan 8, 2019
Book Page009841/003482
Instrument3311
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJan 7, 2034

Tax Assessment & Valuation

Source: Pasco County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyPasco County
Unified School DistrictPasco County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,552.00 (+8.23%) Homeowner's exemption$126,040 (+5.98%) Land $67,497 Building $58,543$317,260 (-1.16%) Land $67,497 Building $249,763
2023$1,434.00 (+6.62%) Additional exemption filed$118,930 (+3%) Land $49,479 Building $69,451$320,972 (+21.72%) Land $49,479 Building $271,493
2022$1,345.00 Homeowner's exemption$115,470 Land $41,229 Building $74,241$263,692 Land $41,229 Building $222,463

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 33 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies33 in force
Nearby Flood Claims3 (2024)
Claims Outside the SFHA1 of 3
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 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

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.02% annual chance
ExposureIndirect
within ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemFLORIDA GOVERNMENTAL UTILITY AUTHORITY
private · serves 32,296 people · EPA ID FL5360172
Water SourceGroundwater
Last State InspectionNov 2024
Lead5 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Jun 2018
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting4
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 299 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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