Hillsborough County property record for 18604 Ave Monaco, Lutz, FL 33558
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 4,884 sqft · built 1989 |
| Lot Size | 1.01 acres (44,274 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $975,000 (Jan 2018) |
| Tax Bill | $21,400 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit May 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 012979-0718 |
| Primary APN | 012979-0718 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 4,884 sqft Living Area |
| Gross Area | 6,500 sqft |
| 1st Floor Area | 2,444 sqft |
| 2nd Floor Area | 2,440 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 44,274 sqft |
| Lot Dimensions | 220 ft deep x 200 ft wide |
| Garage Type | Attached |
| Garage Area | 744 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Pool Area | 448 sqft |
| Porch | Open Porch |
| Porch Area | 744 sqft |
| Patio Area | 272 sqft |
| Gazebo | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0129790718 |
|---|---|
| Street Address | 18604 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 21 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 | 21 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | KEYSTONE-CITRUS PARK |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 11522 |
18604 Ave Monaco is owned and occupied by two individuals who bought it in January 2018.
Source: Hillsborough County records, as of September 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 18604 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 |
|---|---|
| Jul 10, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST TECHNOLOGY FEDERAL CREDIT UNION |
| May 7, 2021 | Warranty Deed, Transfer NOT AVAILABLE, SANDERS TITLE COMPANY |
| Jan 18, 2018 | Warranty Deed, Transfer · Line of Credit IBERIABANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 18, 2018 · Amount on File |
| Deed Sale | Jan 18, 2018 · Amount on File |
| Prior Sale | Jun 3, 2015 · Amount on File |
| Deed Document Number | 201826797 |
| Deed Book / Page | 25504 / 916 |
| Transfer Doc | 0836201311 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Jul 10, 2026 |
| Property Address | 18604 AVENUE MONACO, LUTZ, FL 33558-5316 |
| Document Number | 0000266393 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 2026266393 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2026 |
| Title Company | NATIONWIDE TITLE |
| Name | Verified Name |
|---|---|
| Address | 18604 AVENUE MONACO, LUTZ, FL 33558-5316 |
| Document Number | 0000266393, |
|---|---|
| Date | Jul 10, 2026 |
| Instrument | 2026266393 |
| Name | FIRST TECHNOLOGY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 25, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | May 7, 2021 |
| Property Address | 18604 AVENUE MONACO, LUTZ, FL 33558-5316 |
| Document Number | 2021231413 |
| Map Reference | MB 67 PG 20 |
| Instrument Date | May 3, 2021 |
| Instrument | 2021231413 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | NOT AVAILABLE, SANDERS TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $8,925.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 22037 SE 4TH ST, SAMMAMISH, WA 98074-3713 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Jan 18, 2018 |
| Property Address | 18604 AVENUE MONACO, LUTZ, FL 33558-5316 |
| Document Number | 0255040916 |
| Book / Page | 025504 / 000916 |
| Instrument Date | Dec 29, 2017 |
| Instrument | 26797 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2018 |
| Title Company | GULFATLANTIC TITLE AND APPRAISAL |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,825.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18604 AVENUE MONACO LUTZ FL 335585316, LUTZ, FL 33558-5316 |
| Document Number | 255041016 |
|---|---|
| Date | Jan 18, 2018 |
| Book Page | 025504/001016 |
| Instrument | 26823 |
| Name | IBERIABANK |
|---|---|
| Type | Federal Savings Bank |
| Address | SAINT PETERSBURG, FL 33707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 17, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 18604 Ave Monaco was $21,400 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 | $1,210,905 (+2.7%) | $1,255,083 (+2.18%) Land $506,880 Building $748,203 | |
| 2025 | $21,400.00 Homeowner's exemption | $1,179,070 | $1,228,356 Land $456,192 Building $772,164 |
| 2023 | $19,575.00 (+2.81%) Homeowner's exemption | $1,112,467 (+3%) | $1,219,990 (+12.96%) Land $405,504 Building $814,486 |
| 2022 | $19,040.00 Homeowner's exemption | $1,080,065 Land $304,128 Building $775,937 | $1,080,065 Land $304,128 Building $775,937 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18604 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 A, 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 18604 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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