18912 Geraci Rd, Lutz, FL 33548 Property Records

Hillsborough County property record for 18912 Geraci Rd, Lutz, FL 33548

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,864 sqft · built 1979
Lot Size	0.375 acres (16,352 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,475 (2025)
Deeds & Mortgages	Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`013403-0402`

Property Details

APN / Parcel Number

Primary APN	`013403-0402`
Alternative APN	`U1027180IS000000000010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,864 sqft Living Area
Gross Area	2,662 sqft
1st Floor Area	1,864 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2002
Architectural Style	Mansion
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	16,352 sqft (0.375 acres)
Lot Dimensions	152 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	336 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0134030402
Street Address	18912 GERACI RD
City	LUTZ
State	FL
Zip	33548-4961
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC-4
Legal Description	CYPRESS PARK LOT 1
Legal Range	18E
Legal Township	27S
Legal Section	10
Legal Subdivision	CYPRESS PARK
Legal Tract	IS
Legal Lot Number	1
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	TAMPA
Census Block Group	2
Census Block	2010
Census Tract	11103

Owner

18912 Geraci Rd is owned and occupied by two individuals.

Source: Hillsborough County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	18912 GERACI RD, LUTZ, FL 33548-4961
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2019: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Dec 26, 2019
Property Address	18912 GERACI RD, LUTZ, FL 33548-4961
Document Number	0272141072
Book / Page	027214 / 001072
Instrument Date	Dec 20, 2019
Instrument	550271
Transaction Type	Mortgage
Record Updated	Jan 15, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11780 US HIGHWAY 1 #305 NORTH PALM BEACH FL 334083042, 305, NORTH PALM BEACH, FL 33408-3042

Mortgage

Document Number	272141072
Date	Dec 26, 2019
Book Page	027214/001072
Instrument	550271

Lender

Name	CAPITAL ONE NAT'L ASSN
Address	77 W WACKER DR, CHICAGO, IL 60601-1604

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Dec 25, 2024

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 18912 Geraci Rd was $2,475 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		$148,604 (+2.7%)	$318,128 (-1.03%) Land $107,982 Building $210,146
2025	$2,475.00 Homeowner's exemption	$144,697	$321,447 Land $107,982 Building $213,465
2023	$2,163.00 (+7.29%) Homeowner's exemption	$136,523 (+3%)	$276,648 (-2%) Land $80,986 Building $195,662
2022	$2,016.00 Homeowner's exemption	$132,547	$345,828 Land $89,985 Building $255,843

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 18912 Geraci Rd in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1988.

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
Flood Insurance Requirement	Not required lenders may require it
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	Hurricane Frances, Sep 2004 · 2 claims Severe Storms, High Winds, Tornadoes, And Flooding, Jan 1998 · 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 18912 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 65% of the US · lower than 91% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 90 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20