Hillsborough County property record for 18603 Ave Monaco, Lutz, FL 33558
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5.5 ba · 7,448 sqft · built 1989 |
| Lot Size | 1 acre (43,893 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,075,000 (Dec 2018) |
| Tax Bill | $19,686 (2025) |
| Deeds & Mortgages | Dec 2018 Sale & Mortgage Mar 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 012979-0712 |
| Primary APN | 012979-0712 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 7,448 sqft Living Area |
| Gross Area | 9,488 sqft |
| 1st Floor Area | 3,866 sqft |
| 2nd Floor Area | 2,896 sqft |
| Upper Floors Area | 686 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Contemporary |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 43,893 sqft |
| Lot Dimensions | 218 ft deep x 142 ft wide |
| Garage Type | Attached |
| Garage Area | 1,250 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Pool Area | 450 sqft |
| Porch | Open Porch |
| Porch Area | 790 sqft |
| Utility Building | 172 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0129790712 |
|---|---|
| Street Address | 18603 AVENUE MONACO |
| City | LUTZ |
| State | FL |
| Zip | 33558-5316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | CHEVAL POLO AND GOLF CLUB PHASE TWO AVENUE MONACO LOT 18 BLOCK 4 |
| Legal Range | 18E |
| Legal Township | 27S |
| Legal Section | 08 |
| Legal Subdivision | CHEVAL POLO AND GOLF CLUB PHASE TWO AVEN |
| Legal Phase | 2 |
| Legal Tract | I0 |
| Legal Block | 4 |
| Legal Lot Number | 18 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | KEYSTONE-CITRUS PARK |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 11522 |
18603 Ave Monaco is owned and occupied by two individuals who bought it in December 2018.
Source: Hillsborough County records, as of September 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 18603 AVENUE MONACO, LUTZ, FL 33558-5316 |
| 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.
| Date | Document |
|---|---|
| Dec 21, 2018 | Warranty Deed, Transfer OCMBC INC |
| Mar 13, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF TAMPA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 21, 2018 · Amount on File |
| Deed Sale | Dec 21, 2018 · Amount on File |
| Prior Sale | Aug 4, 1995 · Amount on File |
| Deed Document Number | 2018511084 |
| Deed Book / Page | 26289 / 808 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Dec 21, 2018 |
| Property Address | 18603 AVENUE MONACO, LUTZ, FL 33558-5316 |
| Document Number | 0262890808 |
| Book / Page | 026289 / 000808 |
| Instrument Date | Dec 4, 2018 |
| Instrument | 511084 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2019 |
| Title Company | UNITY ONE TITLE AND LAND, UNITY ONE TITLE & LAND |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,525.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18603 AVENUE MONACO LUTZ FL 335585316, LUTZ, FL 33558-5316 |
| Document Number | 262890810 |
|---|---|
| Date | Dec 21, 2018 |
| Book Page | 026289/000810 |
| Instrument | 511085 |
| Name | OCMBC INC |
|---|---|
| Address | IRVINE, CA 92612 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 20, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 18603 AVENUE MONACO, LUTZ, FL 33558-5316 |
| Document Number | 0256571985 |
| Instrument Date | Mar 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18603 AVENUE MONACO LUTZ FL 335585316, LUTZ, FL 33558-5316 |
| Document Number | 0256571985 |
|---|---|
| Date | Mar 30, 2018 |
| Book Page | 025657/001985 |
| Instrument | 124893 |
| Name | BANK OF TAMPA |
|---|---|
| Type | Bank |
| Address | TAMPA, FL 33601-0001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 29, 2038 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 18603 Ave Monaco was $19,686 with a homeowner's exemption.
Source: Hillsborough County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Hillsborough County |
| Unified School District | Hillsborough County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,114,496 (+2.7%) | $1,618,327 (-0.03%) Land $367,757 Building $1,250,570 | |
| 2025 | $19,686.00 Homeowner's exemption | $1,085,196 | $1,618,886 Land $330,982 Building $1,287,904 |
| 2023 | $20,029.00 (+15.66%) Homeowner's exemption | $1,138,563 (+15.99%) | $1,748,891 (+17.7%) Land $294,206 Building $1,454,685 |
| 2022 | $17,317.00 Homeowner's exemption | $981,587 | $1,485,859 Land $220,654 Building $1,265,205 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18603 Ave Monaco in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 28, 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 67 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 67 in force |
| Nearby Flood Claims | 3 (2004–2015) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Aug 2015 · river or lake flooding |
| 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.
Wildfire risk around 18603 Ave Monaco is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HCWRC/NORTHWEST UTILITIES serves 208,982 people · EPA ID FL6290388 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 105 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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