19805 Reading Rd, Lutz, FL 33558 Property Records

Hillsborough County property record for 19805 Reading Rd, Lutz, FL 33558

Property Summary

Property Type	Single Family Home
Details	8 bd · 4.5 ba · 4,124 sqft · built 1987
Lot Size	0.806 acres (35,092 sqft)
Owner	2 Individual Names on File
Last Sale	$770,000 (Feb 2022)
Tax Bill	$13,595 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Feb 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`012516-0000`

Property Details

APN / Parcel Number

Primary APN	`012516-0000`
Alternative APN	`U022718ZZZ000000468900`

Interior

Bedrooms	8 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,124 sqft Living Area
Gross Area	4,817 sqft
1st Floor Area	964 sqft
2nd Floor Area	3,160 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2014
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	35,092 sqft (0.806 acres)
Lot Dimensions	250 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	384 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	309 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0125160000
Street Address	19805 READING RD
City	LUTZ
State	FL
Zip	33558-5004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC-3
Legal Description	FROM NW COR OF NW 1/4 RUN E 74.35 FT S 1 DEG 18 MIN W 606.62 FT AND S 13 DEG 18.13 MIN E 393.15 FT TO POB THEN CONTINUE S 13 DEG 18.13 MIN E 100 FT E 348.73 FT MOL TO PT IN LAKE NWLY TO PT E OF BEG AND W 348.73 FT MOL TO BEG
Legal Range	18E
Legal Township	27S
Legal Section	02
Legal Subdivision	UNPLATTED
Legal Lot Number	46890
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	KEYSTONE-CITRUS PARK
Census Block Group	2
Census Block	2006
Census Tract	11510

Owner

19805 Reading Rd is owned by two individuals who bought it in February 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	20876 DRAKE ELM DR, LAND O LAKES, FL 34638-3841
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

Date	Document
Oct 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Feb 10, 2022	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jun 21, 2018	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 21, 2018	Quit Claim Deed, Transfer SOUTHERN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2022 · Amount on File
Deed Sale	Feb 10, 2022 · Amount on File
Prior Sale	Jun 21, 2018 · Amount on File
Deed Document Number	202274135
Prior Transfer Date	Jun 27, 2017
Prior Transfer Doc	0000248863
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	19805 READING RD, LUTZ, FL 33558-5004
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19805 READING RD, LUTZ, FL 33558-5004

Mortgage

Document Number	0000448565
Date	Oct 29, 2020
Instrument	2020448565

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Feb 10, 2022
Property Address	19805 READING RD, LUTZ, FL 33558-5004
Document Number	0000074135
Instrument Date	Feb 9, 2022
Instrument	2022074135
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	TRILOGY TITLE AND CLOSING LLC, TRILOGY TITLE & CLOSING LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,390.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19805 READING RD, LUTZ, FL 33558-5004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15217 OCTAVIA LN, ODESSA, FL 33556-1403

Mortgage

Document Number	0000074136
Date	Feb 10, 2022
Instrument	2022074136

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jun 21, 2018
Property Address	19805 READING RD, LUTZ, FL 33558-5004
Document Number	0000248864
Book / Page	25861 / 0878
Instrument Date	Jun 13, 2018
Instrument	2018248864
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	SOUTHERN TITLE SERVICES OF T

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,199.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 38, LUTZ, FL 33548-0038

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19805 READING RD, LUTZ, FL 33558-5004

Mortgage

Document Number	0000248865
Date	Jun 21, 2018
Instrument	2018248865

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jun 21, 2018
Property Address	19805 READING RD, LUTZ, FL 33558-5004
Document Number	0258610855
Book / Page	025861 / 000855
Instrument Date	Jun 2, 2017
Instrument	248863
Transaction Type	Transfer
Record Updated	Jul 20, 2018
Title Company	SOUTHERN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19805 READING RD LUTZ FL 335585004, LUTZ, FL 33558-5004

Tax Assessment & Valuation

The 2025 property tax bill for 19805 Reading Rd was $13,595.

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		$704,466 (-1.09%) Land $203,400 Building $501,066	$704,466 (-1.09%) Land $203,400 Building $501,066
2025	$13,595.00	$712,194 Land $203,400 Building $508,794	$712,194 Land $203,400 Building $508,794
2023	$11,864.00 (+0.9%)	$652,118 (+0.81%) Land $197,750 Building $454,368	$652,118 (+0.81%) Land $197,750 Building $454,368
2022	$11,758.00	$646,902 Land $169,500 Building $477,402	$646,902 Land $169,500 Building $477,402

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

Flood

FEMA maps place 19805 Reading Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	2 (2017–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton

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 19805 Reading Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.1% 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 310 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

May also be available: T-Mobile.

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