Hillsborough County property record for 18906 Arbor Dr, Lutz, FL 33548
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,778 sqft · built 1976 |
| Lot Size | 1.01 acres (44,121 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,223 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 013246-0000 |
| Primary APN | 013246-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,778 sqft Living Area |
| Gross Area | 6,484 sqft |
| 1st Floor Area | 3,778 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 44,121 sqft |
| Lot Dimensions | 200 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Screened Porch |
| Porch Area | 997 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0132460000 |
|---|---|
| Street Address | 18906 ARBOR DR |
| City | LUTZ |
| State | FL |
| Zip | 33548-5051 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ASC-1 |
| Legal Description | BEG 239.4 FT N OF SE COR OF NE 1/4 AND RUN N 150 FT W 97.14 FT S 47 DEG 49 MIN W 490.5 FT THENCE N 68 DEG 39 MIN E 494.24 FT TO BEG |
| Legal Range | 18E |
| Legal Township | 27S |
| Legal Section | 10 |
| Legal Subdivision | UNPLATTED |
| Legal Lot Number | 50660 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | TAMPA |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 11103 |
Source: Hillsborough County records, as of September 29, 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 | 18906 ARBOR DR, LUTZ, FL 33548-5051 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 7, 2026 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CREDIT UNION |
| Oct 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | May 7, 2026 |
| Property Address | 18906 ARBOR DR, LUTZ, FL 33548-5051 |
| Document Number | 0000175989 |
| Instrument Date | Apr 21, 2026 |
| Instrument | 2026175989 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 18906 ARBOR DR, LUTZ, FL 33548-5051 |
| Document Number | 0000175989, |
|---|---|
| Date | May 7, 2026 |
| Instrument | 2026175989 |
| Name | MIDFLORIDA CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 5, 2046 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 18906 ARBOR DR, LUTZ, FL 33548-5051 |
| Document Number | 0000434282 |
| Instrument Date | Oct 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18906 ARBOR DR LUTZ FL 335485051, LUTZ, FL 33548-5051 |
| Document Number | 0000434282 |
|---|---|
| Date | Oct 20, 2020 |
| Instrument | 434282 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 19, 2045 |
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 | $420,620 (+2.7%) | $623,797 (-1.29%) Land $178,950 Building $444,847 | |
| 2025 | $7,223.00 (+18.72%) Homeowner's exemption | $409,562 (+17.84%) | $631,965 (+23.95%) Land $174,900 Building $457,065 |
| 2024 | $6,084.00 (+3.49%) | ||
| 2023 | $5,879.00 (+32.56%) Homeowner's exemption | $347,572 (+29.57%) | $509,842 (+16%) Land $134,775 Building $375,067 |
| 2022 | $4,435.00 Homeowner's exemption | $268,250 | $439,517 Land $131,850 Building $307,667 |
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 X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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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