Hillsborough County property record for 18814 Arbor Dr, Lutz, FL 33548
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,326 sqft · built 2020 |
| Lot Size | 1.44 acres (62,810 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $265,000 (Nov 2018) |
| Tax Bill | $12,135 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 013327-0000 |
| Primary APN | 013327-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,326 sqft Living Area |
| Gross Area | 4,919 sqft |
| 1st Floor Area | 1,508 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 62,810 sqft |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 718 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Boat Access | Boat Access |
| Boat House | 690 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0133270000 |
|---|---|
| Street Address | 18814 ARBOR DR |
| City | LUTZ |
| State | FL |
| Zip | 33548-5041 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ASC-1 |
| Legal Description | S 100 FT OF N 520.6 FT OF E 1/2 OF NE 1/4 OF SE 1/4 |
| Legal Range | 18E |
| Legal Township | 27S |
| Legal Section | 10 |
| Legal Subdivision | UNPLATTED |
| Legal Lot Number | 51390 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | TAMPA |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 11103 |
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 | 18814 ARBOR DR, LUTZ, FL 33548-5041 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 19, 2022 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Jun 4, 2020 | Deed of Trust, Mortgage TRUIST BK |
| Nov 16, 2018 | Personal Representative Deed, Transfer · ARM RECOVO MORTGAGE MANAGEMENT LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 16, 2018 · Amount on Record |
| Deed Sale | Nov 16, 2018 · Amount on Record |
| Deed Document Number | 2018462277 |
| Deed Book / Page | 26208 / 980 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 18814 ARBOR DR, LUTZ, FL 33548-5041 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 18814 ARBOR DR, LUTZ, FL 33548-5041 |
| Document Number | 0000407548 |
|---|---|
| Date | Aug 19, 2022 |
| Instrument | 2022407548 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 27, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 18814 ARBOR DR, LUTZ, FL 33548-5041 |
| Document Number | 0000226236 |
| Instrument Date | Jun 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18418 TAPESTRY LAKE CIR #202 LUTZ FL 335484572, 202, LUTZ, FL 33548-4572 |
| Document Number | 0000226236 |
|---|---|
| Date | Jun 4, 2020 |
| Instrument | 226236 |
| Name | TRUIST BK |
|---|---|
| Address | WILSON, NC 27893 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 3, 2050 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Nov 16, 2018 |
| Property Address | 18814 ARBOR DR, LUTZ, FL 33548-5041 |
| Document Number | 0000462277 |
| Book / Page | 26208 / 0980 |
| Instrument Date | Nov 7, 2018 |
| Instrument | 2018462277 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | FIRST AMERICAN TITLE INSURAN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,855.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9710 N ARMENIA AVE, 9710, TAMPA, FL 33612-7507 |
| Name | Verified Name |
|---|---|
| Address | 18814 ARBOR DR, LUTZ, FL 33548-5041 |
| Document Number | 0000462278 |
|---|---|
| Date | Nov 16, 2018 |
| Instrument | 2018462278 |
| Name | RECOVO MORTGAGE MANAGEMENT LLC |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Dec 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 6.5% |
| Max Rate At Change | 8.5% |
| Index | 1-Year LIBOR |
| Max Rate | 11.5% |
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 | $696,070 (+2.7%) | $894,110 (-1.65%) Land $343,875 Building $550,235 | |
| 2025 | $12,135.00 (+15.86%) Homeowner's exemption | $677,770 (+9.86%) | $909,090 (+18.41%) Land $343,875 Building $565,215 |
| 2023 | $10,474.00 (+3.21%) Homeowner's exemption | $616,964 (+3%) | $767,756 (+2.75%) Land $262,500 Building $505,256 |
| 2022 | $10,148.00 Homeowner's exemption | $598,994 | $747,234 Land $262,500 Building $484,734 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 82% 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.
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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