1644 Hammocks Ave, Lutz, FL 33549 Property Records

Pasco County property record for 1644 Hammocks Ave, Lutz, FL 33549

Property Summary

Property Type	Condominium
Details	2 ba · 1,712 sqft · built 2006
Lot Size	0.02 acres (1 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Jun 2021)
Tax Bill	$3,109 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31-26-19-0290-02002-0040`

Property Details

APN / Parcel Number

Primary APN	`31-26-19-0290-02002-0040`
Alternative APNs	`1926310290020020040` `0834403`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,712 sqft Living Area
1st Floor Area	1,624 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Condo/Apartment
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	1 sqft (0.02 acres)
Garage Type	Detached
Garage Area	264 sqft
Driveway	Concrete Driveway
Driveway Area	345 sqft
Parking Spaces	1 Parking Space
Porch	Florida Room
Porch Area	176 sqft
Deck Area	135 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1644 HAMMOCKS AVE
City	LUTZ
State	FL
Zip	33549-4207
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	MPUD
Legal Description	LAKES AT HERON COVE CONDOMINIUM - PHASE VIII CB 6 PGS 93-96 UNIT 2004 BLDG 20
Legal Range	19E
Legal Township	26S
Legal Section	31
Legal Subdivision	HERON COVE CONDOMINIUM
Legal Tract	290
Legal Block	2002
Legal Lot Number	4
Legal Unit	2004
Jurisdiction	PASCO FL
Township / Civil Division	CENTRAL PASCO
Census Block Group	3
Census Block	3001
Census Tract	32013

Owner

Source: Pasco County records, as of December 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1644 HAMMOCKS AVE, 2004, LUTZ, FL 33549-4207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MOMENTUM BANK
Jul 1, 2020	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
May 29, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2021 · Amount on Record
Deed Sale	Jun 26, 2021 · Amount on Record
Prior Sale	Sep 12, 2013 · Amount on Record
Deed Document Number	2021135080
Deed Book / Page	10380 / 3458
Prior Transfer Date	May 29, 2020
Prior Transfer Doc	0101092917
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Jun 26, 2021
Property Address	1644 HAMMOCKS AVE, LUTZ, FL 33549-4207
Document Number	0103803458
Book / Page	10380 / 3458
Map Reference	MB 6255 PG 887
Instrument Date	Jun 25, 2021
Instrument	2021135080
Transaction Type	Transfer
Record Updated	Jul 8, 2021
Title Company	OLD TAMPA BAY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5723 EDEN LN, 5723, LAND O LAKES, FL 34639-3456

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1644 HAMMOCKS AVE # 2004, 2004, LUTZ, FL 33549-4207

Mortgage

Document Number	103803460
Date	Jun 26, 2021
Instrument	10380/3460

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	1644 HAMMOCKS AVE, LUTZ, FL 33549-4207
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1644 HAMMOCKS AVE, LUTZ, FL 33549-4207

Mortgage

Document Number	0102042579
Date	Oct 28, 2020
Book Page	10204/2579
Instrument	2020181417

Lender

Name	AMERICAN MOMENTUM BANK
Type	Bank
Address	COLLEGE STATION, TX 77845

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	1644 HAMMOCKS AVE, LUTZ, FL 33549-4207
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0101291605
Date	Jul 1, 2020
Book Page	10129/1605
Instrument	2020104831

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PASCO FL
Recording Date	May 29, 2020
Property Address	1644 HAMMOCKS AVE, LUTZ, FL 33549-4207
Document Number	0101092917
Book / Page	010109 / 002917
Instrument Date	May 29, 2020
Instrument	85498
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1644 HAMMOCKS AVE #2004 LUTZ FL 335494207, 2004, LUTZ, FL 33549-4207

Tax Assessment & Valuation

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		$221,520 (+2.9%)	$275,898 (-1.18%) Land $16,449 Building $259,449
2025	$3,109.00 (+2.57%) Homeowner's exemption	$215,280 (+5.98%) Land $16,449 Building $198,831	$279,189 (+3.05%) Land $16,449 Building $262,740
2024	$3,031.00 (+4.02%)
2023	$2,914.00 (+11.56%) Additional exemption filed	$203,130 (+3%) Land $16,449 Building $186,681	$270,918 (+37.37%) Land $16,449 Building $254,469
2022	$2,612.00 Homeowner's exemption	$197,214 Land $16,449 Building $180,765	$197,214 Land $16,449 Building $180,765

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 37 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	5 (1997–2024)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 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 Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	None beyond 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 System	PCUD-PASCO COUNTY REGIONAL PWS serves 214,403 people · EPA ID FL6511361
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Jan 2026
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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 98 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
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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