Hillsborough County property record for 18723 Geraci Rd, Lutz, FL 33548
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,756 sqft · built 1980 |
| Lot Size | 0.89 acres (38,755 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $600,000 (Aug 2019) |
| Tax Bill | $7,580 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit Oct 2020 Line of Credit + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 013399-0000 |
| Primary APN | 013399-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 4,756 sqft Living Area |
| Gross Area | 6,144 sqft |
| 1st Floor Area | 1,897 sqft |
| Upper Floors Area | 2,607 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Contemporary |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 38,755 sqft (0.89 acres) |
| Lot Dimensions | 165 ft deep x 105 ft wide |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | Pool Type |
|---|---|
| Pool Area | 352 sqft |
| Porch | Florida Room |
| Porch Area | 608 sqft |
| Shed | 1 Shed |
| Shed Area | 256 sqft |
| Utility Building | 216 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0133990000 |
|---|---|
| Street Address | 18723 GERACI RD |
| City | LUTZ |
| State | FL |
| Zip | 33548-4987 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ASC-1 |
| Legal Description | FROM SE COR OF SE 1/4 RUN N 246.52 FT N 72 DEG 36 MIN W 838.52 FT, N 61 DEG 51 MIN W 330 FT, N 42 DEG 56 MIN W 315 FT, N 37 DEG 15 MIN W 330 FT, N 25 DEG 15 MIN W 110 FT FOR POB, THEN RUN N 86 DEG 29 MIN E 483.79 FT, N 4 DEG 18 MIN W 48.63 FT, N 86 D |
| Legal Range | 18E |
| Legal Township | 27S |
| Legal Section | 10 |
| Legal Subdivision | UNPLATTED |
| Legal Lot Number | 51780 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | TAMPA |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 11103 |
18723 Geraci Rd is owned and occupied by two individuals who bought it in August 2019.
Source: Hillsborough County records, as of September 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 18723 GERACI RD, LUTZ, FL 33548-4987 |
| 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 |
|---|---|
| Mar 17, 2023 | Deed of Trust, Mortgage · Line of Credit TRUSTBANK |
| Oct 30, 2020 | Deed of Trust, Mortgage · Line of Credit TRUIST BK |
| Aug 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOME PT FIN'L |
| Jan 23, 2020 | Deed of Trust, Mortgage · Line of Credit TRUIST BK |
| Aug 16, 2019 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 16, 2019 · Amount on File |
| Deed Sale | Aug 16, 2019 · Amount on File |
| Prior Sale | Jul 17, 2001 · Amount on File |
| Deed Document Number | 2019353550 |
| Deed Book / Page | 26874 / 1629 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 18723 GERACI RD, LUTZ, FL 33548-4987 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2023 |
| Name | Verified Name |
|---|---|
| Address | 18723 GERACI RD, LUTZ, FL 33548-4987 |
| Document Number | 0000113275 |
|---|---|
| Date | Mar 17, 2023 |
| Instrument | 2023113275 |
| Name | TRUSTBANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 7, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 18723 GERACI RD, LUTZ, FL 33548-4987 |
| Document Number | 0000475428 |
| Instrument Date | Oct 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2020 |
| Title Company | TITLE365 - OMAHA |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 18723 GERACI RD LUTZ FL 335484987, LUTZ, FL 33548-4987 |
| Document Number | 0000475428 |
|---|---|
| Date | Nov 16, 2020 |
| Instrument | 475428 |
| Name | TRUIST BK |
|---|---|
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 15, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 18723 GERACI RD, LUTZ, FL 33548-4987 |
| Document Number | 0000376014 |
| Instrument Date | Aug 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18723 GERACI RD LUTZ FL 335484987, LUTZ, FL 33548-4987 |
| Document Number | 0000376014 |
|---|---|
| Date | Sep 14, 2020 |
| Instrument | 376014 |
| Name | HOME PT FIN'L |
|---|---|
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 13, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 18723 GERACI RD, LUTZ, FL 33548-4987 |
| Document Number | 0000054224 |
| Instrument Date | Jan 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2020 |
| Title Company | TITLE365 - OMAHA |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 18723 GERACI RD LUTZ FL 335484987, LUTZ, FL 33548-4987 |
| Document Number | 0000054224 |
|---|---|
| Date | Feb 17, 2020 |
| Instrument | 54224 |
| Name | TRUIST BK |
|---|---|
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 16, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Aug 16, 2019 |
| Property Address | 18723 GERACI RD, LUTZ, FL 33548-4987 |
| Document Number | 0268741629 |
| Book / Page | 026874 / 001629 |
| Instrument Date | Jul 31, 2019 |
| Instrument | 353550 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2019 |
| Title Company | BROKERS TITLE/TAMPA LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,200.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18723 GERACI RD LUTZ FL 335484987, LUTZ, FL 33548-4987 |
| Document Number | 268741630 |
|---|---|
| Date | Aug 16, 2019 |
| Book Page | 026874/001630 |
| Instrument | 353551 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 15, 2049 |
The 2025 property tax bill for 18723 Geraci Rd was $7,580 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 | $435,874 (+2.7%) | $800,717 (-1.58%) Land $362,685 Building $438,032 | |
| 2025 | $7,580.00 Homeowner's exemption | $424,415 | $813,580 Land $362,685 Building $450,895 |
| 2023 | $6,753.00 (+3.86%) Homeowner's exemption | $400,441 (+3%) | $682,034 (+2.12%) Land $276,859 Building $405,175 |
| 2022 | $6,502.00 Homeowner's exemption | $388,778 | $667,858 Land $276,859 Building $390,999 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18723 Geraci Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 | 63.9 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 45 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 45 in force |
| Nearby Flood Claims | 13 (1988–2024) |
| Claims Outside the SFHA | 6 of 13 |
| 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.
Wildfire risk around 18723 Geraci Rd 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 67% of the US · lower than 92% 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: FCC Broadband Data Collection, based on 69 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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