Pasco County property record for 17531 Gunlock Rd, Lutz, FL 33558
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 3,744 sqft · built 1987 |
| Lot Size | 2.1 acres (91,483 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $350,000 (Mar 2017) |
| Tax Bill | $6,989 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Mar 2017 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 32-26-18-0010-00000-2820 |
| Primary APN | 32-26-18-0010-00000-2820 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,744 sqft Living Area |
| Gross Area | 4,228 sqft |
| 1st Floor Area | 1,856 sqft |
| Upper Floors Area | 1,480 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 91,483 sqft (2.1 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,375 sqft |
| Parking Spaces | 5 Parking Spaces |
| Pool Area | 364 sqft |
| Porch | Florida Room |
| Porch Area | 743 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 17531 GUNLOCK RD |
|---|---|
| City | LUTZ |
| State | FL |
| Zip | 33558-8442 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Description | SIERRA PINES UNREC PLAT TR 282 & POR TR 281 DESC AS COM SE COR OF SEC TH N00DG 23 37E ALG E BDY SEC 2787.8 FT TH N89DG 46 50W 2152.4 FT FOR POB TH N00DG 23 37E 275.00 FT TH N89DG 46 50W 347.31 FT TH S00DG 23 37W 250.0 FT TH S89DG 46 50E 4.01 FT TO PT |
| Legal Range | 18E |
| Legal Township | 26S |
| Legal Section | 32 |
| Legal Subdivision | SIERRA PINES |
| Legal Tract | 282,281 |
| Legal Lot Number | 282 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | NEW PORT RICHEY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 31605 |
Source: Pasco County records, as of June 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 17531 GUNLOCK RD, LUTZ, FL 33558-8442 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Mar 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MTG |
| Mar 16, 2017 | Warranty Deed, Transfer · Conventional Mortgage FRANKLIN AMERICAN MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 16, 2017 · Amount on Record |
| Deed Sale | Mar 16, 2017 · Amount on Record |
| Deed Document Number | 201738168 |
| Deed Book / Page | 9510 / 2837 |
| Last Transfer Date | Jul 23, 2025 |
| Transfer Doc | 0112530914 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 17531 GUNLOCK RD, LUTZ, FL 33558-8442 |
| Document Number | 0100823463 |
| Instrument Date | Mar 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2020 |
| Title Company | SAFE HARBOR TITLE COMPANY, SAFE HARBOR TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 17531 GUNLOCK RD LUTZ FL 335588442, LUTZ, FL 33558-8442 |
| Document Number | 0100823463 |
|---|---|
| Date | Apr 6, 2020 |
| Book Page | 010082/003463 |
| Instrument | 58842 |
| Name | CROSSCOUNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 5, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Mar 16, 2017 |
| Property Address | 17531 GUNLOCK RD, LUTZ, FL 33558-8442 |
| Document Number | 0095102837 |
| Book / Page | 9510 / 2837 |
| Instrument Date | Mar 15, 2017 |
| Instrument | 2017038168 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2021 |
| Title Company | STAR TITLE PARTNERS OF TAMPA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7347 TREE LINE AVE NW, 7347, ALBUQUERQUE, NM 87114-6433 |
| Name | Verified Name |
|---|---|
| Address | 17531 GUNLOCK RD, LUTZ, FL 33558-8442 |
| Document Number | 2017038169 |
|---|---|
| Date | Mar 16, 2017 |
| Instrument | 2017038169 |
| Name | FRANKLIN AMERICAN MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2047 |
Source: Pasco County assessment roll, as of December 29, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pasco County |
| Unified School District | Pasco County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $457,230 (+2.9%) | $633,467 (-0.36%) Land $97,373 Building $536,094 | |
| 2025 | $6,989.00 (+6.12%) | $444,350 (+5.98%) Land $97,373 Building $346,977 | $635,787 (+7.95%) Land $97,373 Building $538,414 |
| 2023 | $6,586.00 (+13.83%) Additional exemption filed | $419,260 (+5.33%) Land $97,373 Building $321,887 | $588,962 (+14.56%) Land $97,373 Building $491,589 |
| 2022 | $5,786.00 Homeowner's exemption | $398,050 Land $81,076 Building $316,974 | $514,106 Land $81,076 Building $433,030 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 58.3 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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 |
|
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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