Hillsborough County property record for 18804 Chopin Dr, Lutz, FL 33558
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,774 sqft · built 2001 |
| Lot Size | 0.26 acres (11,322 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $490,000 (Nov 2020) |
| Tax Bill | $9,037 (2025) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 012945-4514 |
| Primary APN | 012945-4514 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,774 sqft Living Area |
| Gross Area | 3,639 sqft |
| 1st Floor Area | 372 sqft |
| 2nd Floor Area | 2,212 sqft |
| Upper Floors Area | 190 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 11,322 sqft (0.26 acres) |
| Lot Dimensions | 157 ft deep x 57 ft wide |
| View / Lot | Pond |
| Garage Type | Attached |
| Garage Area | 609 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 336 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 256 sqft |
| Deck Area | Deck Area |
| Patio Area | 566 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0129454514 |
|---|---|
| Street Address | 18804 CHOPIN DR |
| City | LUTZ |
| State | FL |
| Zip | 33558-2876 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | CHEVAL WEST VILLAGE 6 LOT 7 BLOCK 5 |
| Legal Range | 18E |
| Legal Township | 27S |
| Legal Section | 07 |
| Legal Subdivision | CHEVAL WEST VILLAGE 6 |
| Legal Tract | HY |
| Legal Block | 5 |
| Legal Lot Number | 7 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | KEYSTONE-CITRUS PARK |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 11521 |
18804 Chopin Dr is owned and occupied by two individuals who bought it in November 2020.
Source: Hillsborough County records, as of September 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 18804 CHOPIN DR, LUTZ, FL 33558-2876 |
| 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 |
|---|---|
| Nov 4, 2020 | Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC |
| Oct 16, 2019 | Deed of Trust, Mortgage · Conventional with PMI IBERIABANK |
| May 9, 2018 | Warranty Deed, Transfer · Conventional Mortgage IBERIABANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2020 · Amount on File |
| Deed Sale | Nov 4, 2020 · Amount on File |
| Prior Sale | May 9, 2018 · Amount on File |
| Deed Document Number | 2020458166 |
| Prior Transfer Date | Feb 3, 2015 |
| Prior Transfer Doc | 0000055958 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Nov 4, 2020 |
| Property Address | 18804 CHOPIN DR, LUTZ, FL 33558-2876 |
| Document Number | 0000458166 |
| Map Reference | MB 84 PG 42 |
| Instrument Date | Nov 2, 2020 |
| Instrument | 2020458166 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,430.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18804 CHOPIN DR, LUTZ, FL 33558-2876 |
| Document Number | 0000458167 |
|---|---|
| Date | Nov 4, 2020 |
| Instrument | 2020458167 |
| Name | FIRST COMMUNITY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 18804 CHOPIN DR, LUTZ, FL 33558-2876 |
| Document Number | 0270620452 |
| Instrument Date | Oct 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18804 CHOPIN DR LUTZ FL 335582876, LUTZ, FL 33558-2876 |
| Document Number | 0270620452 |
|---|---|
| Date | Oct 28, 2019 |
| Book Page | 027062/000452 |
| Instrument | 463591 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | LAFAYETTE, LA 70501 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 27, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | May 9, 2018 |
| Property Address | 18804 CHOPIN DR, LUTZ, FL 33558-2876 |
| Document Number | 0000184993 |
| Book / Page | 25755 / 1784 |
| Map Reference | MB 84 PG 42 |
| Instrument Date | Apr 30, 2018 |
| Instrument | 2018184993 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | AMERICAN HOME TITLE OF LAND |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,027.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4132 BLUE MAJOR DR, 4132, WINDERMERE, FL 34786-3237 |
| Name | Verified Name |
|---|---|
| Address | 18804 CHOPIN DR, LUTZ, FL 33558-2876 |
| Document Number | 0000184994 |
|---|---|
| Date | May 9, 2018 |
| Instrument | 2018184994 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2048 |
The 2025 property tax bill for 18804 Chopin Dr was $9,037 with a homeowner's exemption, up 6.4% from the year before.
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 | $396,309 (+2.7%) | $583,034 (-4.51%) Land $164,787 Building $418,247 | |
| 2025 | $9,037.00 (+6.41%) Homeowner's exemption | $385,890 | $610,569 Land $164,787 Building $445,782 |
| 2024 | $8,493.00 (+3.97%) | ||
| 2023 | $8,169.00 (+4.37%) Homeowner's exemption | $364,092 (+3%) | $521,933 (+5.2%) Land $143,524 Building $378,409 |
| 2022 | $7,827.00 Homeowner's exemption | $353,487 | $496,124 Land $127,577 Building $368,547 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18804 Chopin Dr 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 20 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2011 · other causes |
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 18804 Chopin Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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 191 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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