Hillsborough County property record for 2304 Clement Rd, Lutz, FL 33549
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 4,013 sqft · built 2020 |
| Lot Size | 1.09 acres (47,606 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $826,400 (Jul 2020) |
| Tax Bill | $15,542 (2025) |
| Deeds & Mortgages | Sep 2023 Second Mortgage Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 033960-4224 |
| Primary APN | 033960-4224 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 4,013 sqft Living Area |
| Gross Area | 5,025 sqft |
| 1st Floor Area | 3,026 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 47,606 sqft |
| Lot Dimensions | 301 ft deep x 155 ft wide |
| Garage Type | Attached |
| Garage Area | 640 sqft |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0339604224 |
|---|---|
| Street Address | 2304 CLEMENT RD |
| City | LUTZ |
| State | FL |
| Zip | 33549-7513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ASC-1 |
| Legal Description | OAKWOOD RESERVE LOT 7 |
| Legal Range | 19E |
| Legal Township | 27S |
| Legal Section | 20 |
| Legal Subdivision | OAKWOOD RESERVE |
| Legal Lot Number | 7 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | TAMPA |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 11006 |
2304 Clement Rd is owned and occupied by two individuals who bought it in July 2020.
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2304 CLEMENT RD, LUTZ, FL 33549-7513 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Jul 22, 2020 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 2020 · Amount on File |
| Deed Sale | Jul 22, 2020 · Amount on File |
| Deed Document Number | 2020298416 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 2304 CLEMENT RD, LUTZ, FL 33549-7513 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2304 CLEMENT RD, LUTZ, FL 33549-7513 |
| Document Number | 0000413710 |
|---|---|
| Date | Sep 15, 2023 |
| Instrument | 2023413710 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Jul 22, 2020 |
| Property Address | 2304 CLEMENT RD, LUTZ, FL 33549-7513 |
| Document Number | 0000298416 |
| Instrument Date | Jul 8, 2020 |
| Instrument | 298416 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 21, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,785.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4065 CRESCENT PARK DR RIVERVIEW FL 335783605, RIVERVIEW, FL 33578-3605 |
| Document Number | 298417 |
|---|---|
| Date | Jul 22, 2020 |
| Instrument | 298417 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 21, 2050 |
| Document Number | 298418, |
|---|---|
| Date | Jul 22, 2020 |
| Instrument | 298418 |
| Name | GEORGIA'S OWN CU |
|---|---|
| Type | Credit Union |
| Address | ATLANTA, GA 30348 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 21, 2030 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 2304 Clement Rd was $15,542.
Source: Hillsborough County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Hillsborough County |
| Unified School District | Hillsborough County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $803,666 (-1.89%) Land $206,088 Building $597,578 | $803,666 (-1.89%) Land $206,088 Building $597,578 | |
| 2025 | $15,542.00 | $819,178 Land $206,088 Building $613,090 | $819,178 Land $206,088 Building $613,090 |
| 2023 | $12,971.00 (+9.62%) | $802,804 (+9.96%) Land $214,674 Building $588,130 | $802,804 (+9.96%) Land $214,674 Building $588,130 |
| 2022 | $11,833.00 | $730,060 Land $214,674 Building $515,386 | $730,060 Land $214,674 Building $515,386 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2304 Clement Rd in Zone X, an area of minimal flood risk, within 500 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 57 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 57 in force |
| Nearby Flood Claims | 10 (1998–2024) |
| Claims Outside the SFHA | 5 of 10 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 risk around 2304 Clement Rd is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 45% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 107 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 |
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