19808 Reading Rd, Lutz, FL 33558 Property Records

Hillsborough County property record for 19808 Reading Rd, Lutz, FL 33558

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,599 sqft · built 1976
Lot Size	0.323 acres (14,073 sqft)
Owner	Individual Name on Record
Last Sale	$449,000 (Mar 2026)
Tax Bill	$2,051 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Mar 2020 Loan Modification
Flood Zone	Zone AE (high risk)
APN	`012447-0000`

Property Details

APN / Parcel Number

Primary APN	`012447-0000`
Alternative APN	`U022718ZZZ000000465800`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,599 sqft Living Area
Gross Area	1,823 sqft
1st Floor Area	1,599 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	14,073 sqft (0.323 acres)
Lot Dimensions	113 ft deep x 120 ft wide
Garage Area	672 sqft

Exterior Amenities

Porch	Screened Porch
Porch Area	180 sqft
Deck Area	520 sqft
Patio Area	564 sqft
Balcony Area	44 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0124470000
Street Address	19808 READING RD
City	LUTZ
State	FL
Zip	33558-5045
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC-3
Legal Description	TRACT BEG 385 FT N OF SW COR OF NW 1/4 OF NW 1/4 AND RUN N 120 FT E 99.74 FT S 13 DEG 18.13 MIN E 123.06 FT AND W 127.04 FT TO BEG
Legal Range	18E
Legal Township	27S
Legal Section	02
Legal Subdivision	UNPLATTED
Legal Lot Number	46580
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	KEYSTONE-CITRUS PARK
Census Block Group	2
Census Block	2006
Census Tract	11510

Owner

Source: Hillsborough County records, as of March 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4109 W WALLACE AVE, TAMPA, FL 33611-3545
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2026	Warranty Deed, Transfer · Conventional Mortgage RESICENTRAL LLC
Mar 11, 2020	Loan Modification, Mortgage · Conventional Mortgage TRUIST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2026 · Amount on Record
Deed Sale	Mar 9, 2026 · Amount on Record
Prior Sale	May 6, 2025 · Amount on Record
Deed Document Number	202690836
Record Updated	Jun 8, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Mar 9, 2026
Property Address	19808 READING RD, LUTZ, FL 33558-5045
Document Number	0000090836
Instrument Date	Feb 17, 2026
Instrument	2026090836
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	AEGIS TITLE AND ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,143.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4423 STONEHENGE RD, TAMPA, FL 33624-1734

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4109 W WALLACE AVE, TAMPA, FL 33611-3545

Mortgage

Document Number	0000090837
Date	Mar 9, 2026
Instrument	2026090837

Lender

Name	RESICENTRAL LLC
Type	Mortgage Company
Address	LAND O LAKES, FL 34638

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HILLSBOROUGH FL
Property Address	19808 READING RD, LUTZ, FL 33558-5045
Document Number	0000119403
Instrument Date	Mar 11, 2020
Transaction Type	Mortgage
Record Updated	Apr 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19808 READING RD LUTZ FL 335585045, LUTZ, FL 33558-5045

Mortgage

Document Number	0000119403
Date	Mar 24, 2020
Instrument	119403

Lender

Name	TRUIST BK
Address	ORLANDO, FL 32809

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Hillsborough County assessment roll, as of January 21, 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
2025	$2,051.00 (+9.39%) Homeowner's exemption	$123,597 (+5.99%)	$211,134 (+11.99%) Land $30,380 Building $180,754
2024	$1,875.00 (+5.46%)
2023	$1,778.00 (+8.35%) Homeowner's exemption	$116,616 (+3%)	$188,522 (-6.02%) Land $25,265 Building $163,257
2022	$1,641.00 Homeowner's exemption	$113,219	$200,603 Land $23,250 Building $177,353

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	63.1 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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.

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 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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