18709 Pepper Pike, Lutz, FL 33558 Property Records

Hillsborough County property record for 18709 Pepper Pike, Lutz, FL 33558

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,174 sqft · built 1988
Lot Size	1.31 acres (57,107 sqft)
Owner	2 Individual Names on File
Last Sale	$1,050,000 (Jun 2021)
Tax Bill	$21,064 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`012984-0140`

Property Details

APN / Parcel Number

Primary APN	`012984-0140`
Alternative APN	`U0927180ID000003000050`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,174 sqft Living Area
Gross Area	4,212 sqft
1st Floor Area	3,174 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2019
Architectural Style	Contemporary
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	57,107 sqft
Lot Dimensions	200 ft deep x 209 ft wide
View / Lot	Pond
Garage Type	Attached
Garage Area	880 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	550 sqft
Porch	Open Porch
Porch Area	158 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0129840140
Street Address	18709 PEPPER PIKE
City	LUTZ
State	FL
Zip	33558-5315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	CHEVAL POLO AND GOLF CLUB PHASE ONE A LOT 5 BLOCK 3 TOG WITH PARCEL DESC AS BEG AT SE COR OF LOT 5 BLOCK 3 CHEVAL POLO AND GOLF CLUB PHASE ONE-A PB57 PG59 THN N 10 DEG 49 MIN 08 SEC W 248.76 FT TO NE COR OF SD LOT 5 THN N 65 DEG 54 MIN 38 SEC E 35 FT
Legal Range	18E
Legal Township	27S
Legal Section	09
Legal Subdivision	CHEVAL POLO AND GOLF CLUB PHASE ONE A
Legal Phase	1
Legal Tract	ID
Legal Block	3
Legal Lot Number	5
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	KEYSTONE-CITRUS PARK
Census Block Group	1
Census Block	1018
Census Tract	11522

Owner

18709 Pepper Pike is owned and occupied by two individuals who bought it in June 2021.

Source: Hillsborough County records, as of September 30, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	18709 PEPPER PIKE, LUTZ, FL 33558-5315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Jun 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 1, 2021	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 18, 2021	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 21, 2020	Warranty Deed, Transfer SOUTHERN TITLE SERVICES/TAMPA BAY, SOUTHERN TITLE SVCS/TAMPA BAY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2021 · Amount on File
Deed Sale	Jun 18, 2021 · Amount on File
Prior Sale	Apr 1, 2021 · Amount on File
Deed Document Number	2021306857
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	18709 PEPPER PIKE, LUTZ, FL 33558-5315
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18709 PEPPER PIKE, LUTZ, FL 33558-5315

Mortgage

Document Number	0000392985
Date	Sep 10, 2025
Instrument	2025392985

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2045

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	18709 PEPPER PIKE, LUTZ, FL 33558-5315
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29749 E RIVER RD, GROSSE ILE, MI 48138-1936

Mortgage

Document Number	0000306859
Date	Jun 18, 2021
Instrument	2021306859

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Apr 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Apr 1, 2021
Property Address	18709 PEPPER PIKE, LUTZ, FL 33558-5315
Document Number	0000160224
Map Reference	MB 57 PG 59
Instrument Date	Mar 18, 2021
Instrument	2021160224
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	SOUTHERN TTL SVCS OF TAMPA B

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6063 LAKESIDE DR, 6063, LUTZ, FL 33558-4837

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18709 PEPPER PIKE, LUTZ, FL 33558-5315

Mortgage

Document Number	0000160226
Date	Apr 1, 2021
Instrument	2021160226

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jun 18, 2021
Property Address	18709 PEPPER PIKE, LUTZ, FL 33558-5315
Document Number	2021306857
Map Reference	MB 57 PG 59
Instrument Date	Mar 18, 2021
Instrument	2021306857
Transaction Type	Transfer
Record Updated	Jul 2, 2021
Title Company	SOUTHERN TITLE SERVICES/TAMPA BAY, SOUTHERN TTL SVCS OF TAMPA B

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6063 LAKESIDE DR, 6063, LUTZ, FL 33558-4837

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18709 PEPPER PIKE, LUTZ, FL 33558-5315

Mortgage

Document Number	2021306859
Date	Jun 18, 2021
Instrument	2021306859

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Apr 1, 2051

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Feb 21, 2020
Property Address	18709 PEPPER PIKE, LUTZ, FL 33558-5315
Document Number	0000060772
Instrument Date	Feb 10, 2020
Instrument	60772
Transaction Type	Transfer
Record Updated	Apr 15, 2020
Title Company	SOUTHERN TITLE SERVICES/TAMPA BAY, SOUTHERN TITLE SVCS/TAMPA BAY

Transaction

Amount	Amount on Record
Tax	$4,445.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	18709 PEPPER PIKE LUTZ FL 335585315, LUTZ, FL 33558-5315

Tax Assessment & Valuation

The 2025 property tax bill for 18709 Pepper Pike was $21,064 with a homeowner's exemption.

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		$1,191,993 (+2.7%)	$1,201,388 (+2.55%) Land $483,125 Building $718,263
2025	$21,064.00 Homeowner's exemption	$1,160,655	$1,171,467 Land $434,813 Building $736,654
2023	$19,273.00 (+2.82%) Homeowner's exemption	$1,095,092 (+3%)	$1,096,134 (+3.1%) Land $386,500 Building $709,634
2022	$18,745.00 Homeowner's exemption	$1,063,196 Land $289,875 Building $773,321	$1,063,196 Land $289,875 Building $773,321

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

Flood

FEMA maps place 18709 Pepper Pike 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 99 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	99 in force
Nearby Flood Claims	11 (1993–2017)
Claims Outside the SFHA	8 of 11
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 4 claims 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

Wildfire risk around 18709 Pepper Pike is low, with a 0.03% 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	0.03% annual chance
Exposure	None beyond ember reach

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 154 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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