18609 Ave Monaco, Lutz, FL 33558 Property Records

Hillsborough County property record for 18609 Ave Monaco, Lutz, FL 33558

Property Summary

Property Type	Single Family Home
Details	3 bd · 5.5 ba · 5,870 sqft · built 1989
Lot Size	2.85 acres (124,270 sqft)
Owner	2 Individual Names on Record
Tax Bill	$17,627 (2025)
Deeds & Mortgages	Dec 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`012979-0706`

Property Details

APN / Parcel Number

Primary APN	`012979-0706`
Alternative APN	`U0827180I0000004000150`

Interior

Bedrooms	3 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,870 sqft Living Area
Gross Area	9,404 sqft
1st Floor Area	3,554 sqft
Upper Floors Area	2,316 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2007
Architectural Style	Contemporary
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	124,270 sqft
Lot Dimensions	236 ft deep x 183 ft wide
View / Lot	Pond
Garage Type	Attached
Garage Area	790 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	1,259 sqft
Patio Area	459 sqft
Gazebo	284 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0129790706
Street Address	18609 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 15 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	15
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	KEYSTONE-CITRUS PARK
Census Block Group	2
Census Block	2000
Census Tract	11522

Owner

Source: Hillsborough County records, as of September 30, 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	18609 AVENUE MONACO, LUTZ, FL 33558-5316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2003
Deed Sale	Sep 2, 2003
Prior Sale	Sep 2, 2003 · Amount on Record
Deed Document Number	2003359335
Deed Book / Page	13037 / 691
Transfer Doc	8635001023
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	18609 AVENUE MONACO, LUTZ, FL 33558-5316
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0262421564
Date	Dec 1, 2018
Book Page	26242/1564
Instrument	2018482425

Lender

Name	VALLEY BANK
Type	Bank
Address	WAYNE, NJ 07470

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	8.25%
Index	1-Year CMT
Max Rate	8.25%

Tax Assessment & Valuation

Source: Hillsborough County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Hillsborough County
Unified School District	Hillsborough County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$998,642 (+2.7%)	$1,510,687 (+1.35%) Land $476,796 Building $1,033,891
2025	$17,627.00 (+8.92%) Homeowner's exemption	$972,388 (+5.99%)	$1,490,540 (+0.15%) Land $429,116 Building $1,061,424
2023	$16,184.00 (+2.91%) Homeowner's exemption	$917,459 (+3%)	$1,488,323 (+11.29%) Land $381,436 Building $1,106,887
2022	$15,726.00 Homeowner's exemption	$890,737	$1,337,355 Land $286,077 Building $1,051,278

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 28, 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	59.6 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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	Hurricane Frances, Sep 2004 · 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 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

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