18809 Rue Loire, Lutz, FL 33558 Property Records

Hillsborough County property record for 18809 Rue Loire, Lutz, FL 33558

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,698 sqft · built 1992
Lot Size	0.487 acres (21,232 sqft)
Owner	2 Company Names on File
Last Sale	$650,000 (Mar 2025)
Tax Bill	$4,380 (2025)
Deeds & Mortgages	Mar 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`012984-1040`

Property Details

APN / Parcel Number

Primary APN	`012984-1040`
Alternative APN	`U0927180IF000000000200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,698 sqft Living Area
Gross Area	2,455 sqft
1st Floor Area	1,698 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2008
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	21,232 sqft (0.487 acres)
Lot Dimensions	115 ft deep x 47 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	292 sqft
Porch	Open Porch
Porch Area	337 sqft
Deck Area	Deck Area
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0129841040
Street Address	18809 RUE LOIRE
City	LUTZ
State	FL
Zip	33558-5355
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	CHATEAUX LOIRE LOT 20
Legal Range	18E
Legal Township	27S
Legal Section	09
Legal Subdivision	CHATEAUX LOIRE
Legal Tract	IF
Legal Lot Number	20
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	KEYSTONE-CITRUS PARK
Census Block Group	1
Census Block	1018
Census Tract	11522

Owner

18809 Rue Loire is owned by a company that bought it in March 2025 and is owner-occupied.

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

Owner of Record	2 Company Names on File
Mailing Address	18809 RUE LOIRE, LUTZ, FL 33558-5355
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2025 · Amount on File
Deed Sale	Mar 6, 2025 · Amount on File
Prior Sale	Jul 31, 2009 · Amount on File
Deed Document Number	202597543
Prior Transfer Date	Jul 24, 2009
Prior Transfer Doc	0000320938
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	18809 RUE LOIRE, LUTZ, FL 33558-5355
Document Number	0248441072
Book / Page	024844 / 001072
Instrument Date	Mar 24, 2017
Transaction Type	Mortgage
Record Updated	Apr 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18809 RUE LOIRE LUTZ FL 335585355, LUTZ, FL 33558-5355

Mortgage

Document Number	0248441072
Date	Apr 5, 2017
Book Page	024844/001072
Instrument	128888

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 4, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 18809 Rue Loire was $4,380 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		$254,964 (+2.36%)	$455,699 (-1.78%) Land $140,158 Building $315,541
2025	$4,380.00 Homeowner's exemption	$249,076	$463,951 Land $140,158 Building $323,793
2023	$3,624.00 (+5.1%) Homeowner's exemption	$209,276 (+3%)	$367,771 (-0.37%) Land $92,244 Building $275,527
2022	$3,448.00 Homeowner's exemption	$203,181	$369,150 Land $82,702 Building $286,448

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 18809 Rue Loire 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	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 18809 Rue Loire 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.04% 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 213 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
T-Mobile Fixed Wireless	100 / 20