19016 Cedar Ln, Lutz, FL 33548 Property Records

Hillsborough County property record for 19016 Cedar Ln, Lutz, FL 33548

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,500 sqft · built 1981
Lot Size	0.578 acres (25,194 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Nov 2017)
Tax Bill	$3,274 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`013403-0440`

Property Details

APN / Parcel Number

Primary APN	`013403-0440`
Alternative APN	`U1027180IS000000000200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,500 sqft Living Area
Gross Area	1,916 sqft
1st Floor Area	1,500 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2003
Architectural Style	Mansion
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	25,194 sqft (0.578 acres)
Lot Dimensions	225 ft deep x 81 ft wide
Garage Type	Carport
Garage Area	246 sqft
Carport	Carport
Carport Area	246 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	90 sqft
Patio Area	168 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0134030440
Street Address	19016 CEDAR LN
City	LUTZ
State	FL
Zip	33548-4972
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC-4
Legal Description	CYPRESS PARK LOT 20
Legal Range	18E
Legal Township	27S
Legal Section	10
Legal Subdivision	CYPRESS PARK
Legal Tract	IS
Legal Lot Number	20
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	TAMPA
Census Block Group	2
Census Block	2010
Census Tract	11103

Owner

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	19016 CEDAR LN, LUTZ, FL 33548-4972
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2023	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Jul 16, 2020	Deed of Trust, Mortgage · Conventional with PMI UNITED WHOLESALE MTG
Nov 21, 2017	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2017 · Amount on Record
Deed Sale	Nov 21, 2017 · Amount on Record
Deed Document Number	2017451869
Deed Book / Page	25379 / 26
Prior Transfer Date	Feb 15, 2005
Prior Transfer Doc	0000062638
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	19016 CEDAR LN, LUTZ, FL 33548-4972
Transaction Type	Mortgage
Record Updated	Mar 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19016 CEDAR LN, LUTZ, FL 33548-4972

Mortgage

Document Number	0000061704
Date	Feb 14, 2023
Instrument	2023061704

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	330 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	19016 CEDAR LN, LUTZ, FL 33548-4972
Document Number	0000308705
Instrument Date	Jul 16, 2020
Transaction Type	Mortgage
Record Updated	Aug 21, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19016 CEDAR LN LUTZ FL 335484972, LUTZ, FL 33548-4972

Mortgage

Document Number	0000308705
Date	Jul 29, 2020
Instrument	308705

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2050

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Nov 21, 2017
Property Address	19016 CEDAR LN, LUTZ, FL 33548-4972
Document Number	0000451869
Book / Page	25379 / 0026
Map Reference	MB43 PG18
Instrument Date	Nov 8, 2017
Instrument	2017451869
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	ENTERPRISE TITLE OF TAMPA BA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19016 CEDAR LN, 19016, 00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19016 CEDAR LN, LUTZ, FL 33548-4972

Mortgage

Document Number	0000451870
Date	Nov 21, 2017
Instrument	2017451870

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jan 2, 2047

Tax Assessment & Valuation

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		$193,558 (+2.7%)	$265,138 (-1.71%) Land $108,558 Building $156,580
2025	$3,274.00 (+13.64%) Homeowner's exemption	$188,469 (+5.99%)	$269,742 (+23.12%) Land $108,558 Building $161,184
2023	$2,881.00 (+6%) Homeowner's exemption	$177,822 (+3%)	$219,084 (-17.08%) Land $81,418 Building $137,666
2022	$2,718.00 Homeowner's exemption	$172,643	$264,226 Land $81,418 Building $182,808

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

Flood

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 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	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

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 144 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
AT&T Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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