17411 Gunlock Rd, Lutz, FL 33558 Property Records

Pasco County property record for 17411 Gunlock Rd, Lutz, FL 33558

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,613 sqft · built 1975
Lot Size	1 acres (43,750 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,650 (2025)
Deeds & Mortgages	Oct 2021 Transfer Dec 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-26-18-0010-00000-2780`

Property Details

APN / Parcel Number

Primary APN	`32-26-18-0010-00000-2780`
Alternative APNs	`1826320010000002780` `1077209`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,613 sqft Living Area
1st Floor Area	1,413 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	Metal
Lot Area	43,750 sqft (1 acres)
Garage Type	Detached
Garage Area	528 sqft
Driveway	Concrete Driveway
Driveway Area	768 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Florida Room
Porch Area	251 sqft
Deck Area	352 sqft
Patio Area	534 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	17411 GUNLOCK RD
City	LUTZ
State	FL
Zip	33558-8443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	SIERRA PINES UNREC LOT 278 DESC AS FOLLS COM SE COR TH N00DG 23MIN 37E 3062.80FT TH N89DG46MIN 50W 3025.00FT POB TH N89DG 46MIN 50W 175.00 FT TH S00DG 23MIN 37W 250.00 FT TH S89DG 46MIN 50E 175.00 FT TH N 00DG 23MIN 37E 250.00 FT TO POB OR 1388 PG 17
Legal Range	18E
Legal Township	26S
Legal Section	32
Legal Subdivision	SIERRA PINES
Legal Tract	10
Legal Lot Number	278
Jurisdiction	PASCO FL
Township / Civil Division	NEW PORT RICHEY
Census Block Group	1
Census Block	1002
Census Tract	31605

Owner

17411 Gunlock Rd is owned and occupied by two individuals who acquired it in February 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	17411 GUNLOCK RD, LUTZ, FL 33558-8443
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 14, 2021	Intrafamily Transfer, Transfer
Dec 9, 2016	Deed of Trust, Mortgage · Conventional Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 16, 2014
Transfer Doc	0089961961
Record Updated	Sep 20, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PASCO FL
Recording Date	Oct 14, 2021
Property Address	17411 GUNLOCK RD, LUTZ, FL 33558-8443
Document Number	0104610563
Book / Page	10461 / 563
Instrument Date	Oct 14, 2021
Instrument	2021220056
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17411 GUNLOCK RD, LUTZ, FL 33558-8443

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	17411 GUNLOCK RD, LUTZ, FL 33558-8443
Document Number	0094963846
Book / Page	009496 / 003846
Instrument Date	Dec 9, 2016
Transaction Type	Mortgage
Record Updated	Mar 3, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	17411 GUNLOCK RD LUTZ FL 335588443, LUTZ, FL 33558-8443

Mortgage

Document Number	0094963846
Date	Feb 16, 2017
Book Page	009496/003846
Instrument	21005

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 15, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 17411 Gunlock Rd was $1,650 with a homeowner's exemption, up 3% 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		$130,530 (+2.89%)	$276,848 (-1.13%) Land $80,537 Building $196,311
2025	$1,650.00 (+3%) Homeowner's exemption	$126,860 Land $80,537 Building $46,323	$280,006 Land $80,537 Building $199,469
2024	$1,602.00 (+4.57%)
2023	$1,532.00 (+12.32%) Additional exemption filed	$119,700 (+2.99%) Land $80,537 Building $39,163	$268,089 (+12.49%) Land $80,537 Building $187,552
2022	$1,364.00 Homeowner's exemption	$116,220 Land $67,004 Building $49,216	$238,328 Land $67,004 Building $171,324

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

Flood

FEMA maps place 17411 Gunlock Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File median of 99 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	99 in force
Nearby Flood Claims	30 (1987–2024)
Claims Outside the SFHA	11 of 30
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 12 claims Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 5 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 17411 Gunlock 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 76% 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 120 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

Cell Coverage

5G (outdoors only) and 4G LTE

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