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19809 Reading Rd, Lutz, FL 33558 Property Records

Hillsborough County property record for 19809 Reading Rd, Lutz, FL 33558

Property Summary

Property TypeSingle Family Home
Details1 bd · 1 ba · 614 sqft · built 1966
Lot Size0.779 acres (33,922 sqft)
Owner2 Individual Names on Record
Last Sale$175,000 (May 2020)
Tax Bill$3,544 (2025)
Deeds & MortgagesSep 2021 Line of Credit
May 2020 Sale
Flood ZoneZone X (minimal risk)
APN012512-0000

Property Details

APN / Parcel Number

Primary APN012512-0000
Alternative APN
  • U022718ZZZ000000468700

Interior

Bedrooms1 Bed
Full Baths1 Bath
Stories1 Story
Building Area614 sqft Living Area
Gross Area684 sqft
1st Floor Area614 sqft
FlooringVinyl/Resilient
Interior WallsPlywood

Exterior

Year BuiltBuilt 1966
Effective Year BuiltEffective 1992
Architectural StyleMansion
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area33,922 sqft (0.779 acres)
Lot Dimensions200 ft deep x 100 ft wide

Exterior Amenities

PorchOpen Porch
Shed1 Shed
Shed Area80 sqft
Utility Building160 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number0125120000
Street Address19809 READING RD
CityLUTZ
StateFL
Zip33558-5004
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSC-3
Legal DescriptionFROM 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 193.15 FT TO POB THEN CONTINUE S 13 DEG 18.13 MIN E 100 FT E 356.73 FT MOL TO PT IN LAKE NWLY TO PT E OF POB AND W 366.73 FT MOL TO BEG
Legal Range18E
Legal Township27S
Legal Section02
Legal SubdivisionUNPLATTED
Legal Lot Number46870
JurisdictionHILLSBOROUGH FL
Township / Civil DivisionKEYSTONE-CITRUS PARK
Census Block Group2
Census Block2006
Census Tract11510

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address19809 READING RD, LUTZ, FL 33558-5004
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 2, 2021Deed of Trust, Mortgage · Line of Credit
THE BANK OF TAMPA
May 26, 2020Warranty Deed, Transfer
ISLAND TITLE CORPORATION, ISLAND TITLE SERVICES

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 26, 2020 · Amount on Record
Deed SaleMay 26, 2020 · Amount on Record
Deed Document Number2020212713
Prior Transfer DateNov 22, 2010
Prior Transfer Doc0000398152
Record UpdatedOct 29, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHILLSBOROUGH FL
Property Address19809 READING RD, LUTZ, FL 33558-5004
Transaction TypeMortgage
Record UpdatedSep 17, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address19809 READING RD, LUTZ, FL 33558-5004

Mortgage

Document Number2021447963
DateSep 2, 2021
Instrument2021447963
Lender
NameTHE BANK OF TAMPA
TypeBank
AddressTAMPA, FL 33601
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateMay 26, 2020
Property Address19809 READING RD, LUTZ, FL 33558-5004
Document Number0000212713
Instrument DateMay 15, 2020
Instrument212713
Transaction TypeTransfer
Record UpdatedJun 19, 2020
Title CompanyISLAND TITLE CORPORATION, ISLAND TITLE SERVICES

Transaction

AmountAmount Recorded
Tax$1,225.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address15305 WIND WHISPER DR ODESSA FL 335561794, ODESSA, FL 33556-1794

Tax Assessment & Valuation

Source: Hillsborough County assessment roll, as of September 29, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyHillsborough County
Unified School DistrictHillsborough County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$210,921 (+2.7%)$253,574 (+0.23%) Land $212,250 Building $41,324
2025$3,544.00 (-8.47%) Homeowner's exemption$205,376 (-15.77%)$253,003 (+3.77%) Land $210,900 Building $42,103
2023$3,872.00 (+12.92%)$243,818 (+10.11%) Land $202,975 Building $40,843$243,818 (+10.11%) Land $202,975 Building $40,843
2022$3,429.00$221,438 Land $174,750 Building $46,688$221,438 Land $174,750 Building $46,688

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 59 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies59 in force
Nearby Flood Claims2 (2017–2024)
Most Recent ClaimOct 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 RiskModerate
above 51% of the US · lower than 78% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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

ProviderMax 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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