Hillsborough County property record for 2313 Gnarled Oak Ave, Lutz, FL 33549
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,314 sqft · built 1984 |
| Lot Size | 0.162 acres (7,052 sqft) |
| Owner | Individual Name on File |
| Last Sale | $205,000 (Aug 2017) |
| Tax Bill | $3,284 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 033863-8338 |
| Primary APN | 033863-8338 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,314 sqft Living Area |
| Gross Area | 2,263 sqft |
| 1st Floor Area | 1,314 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,052 sqft (0.162 acres) |
| Lot Dimensions | 102 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 392 sqft |
| Porch | Open Porch |
| Porch Area | 429 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0338638338 |
|---|---|
| Street Address | 2313 GNARLED OAK AVE |
| City | LUTZ |
| State | FL |
| Zip | 33549-5807 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSC-6 |
| Legal Description | WINDEMERE UNIT V LOT 56 BLOCK 3 |
| Legal Range | 19E |
| Legal Township | 27S |
| Legal Section | 18 |
| Legal Subdivision | WINDEMERE UNIT V |
| Legal Tract | 1BF |
| Legal Block | 3 |
| Legal Lot Number | 56 |
| Legal Unit | 5 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | TAMPA |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 11006 |
2313 Gnarled Oak Ave is owned and occupied by an individual who bought it in August 2017.
Source: Hillsborough County records, as of September 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2313 GNARLED OAK AVE, LUTZ, FL 33549-5807 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Oct 9, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 8, 2017 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 8, 2017 · Amount on File |
| Deed Sale | Aug 8, 2017 · Amount on File |
| Prior Sale | Dec 31, 1993 · Amount on File |
| Deed Document Number | 2017312550 |
| Deed Book / Page | 25150 / 44 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Oct 9, 2026 |
| Property Address | 2313 GNARLED OAK AVE, LUTZ, FL 33549-5807 |
| Document Number | 0000397009 |
| Instrument Date | Oct 2, 2026 |
| Instrument | 2026397009 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2313 GNARLED OAK AVE, LUTZ, FL 33549-5807 |
| Document Number | 0000397009, |
|---|---|
| Date | Oct 9, 2026 |
| Instrument | 2026397009 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 2313 GNARLED OAK AVE, LUTZ, FL 33549-5807 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2313 GNARLED OAK AVE, LUTZ, FL 33549-5807 |
| Document Number | 2021417389 |
|---|---|
| Date | Aug 17, 2021 |
| Instrument | 2021417389 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 347 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Aug 8, 2017 |
| Property Address | 2313 GNARLED OAK AVE, LUTZ, FL 33549-5807 |
| Document Number | 0251500044 |
| Book / Page | 025150 / 000044 |
| Instrument Date | Jul 31, 2017 |
| Instrument | 312550 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2017 |
| Title Company | TALON TITLE SERVICES LLC, TALON TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,435.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2313 GNARLED OAK AVE LUTZ FL 335495807, LUTZ, FL 33549-5807 |
| Document Number | 251500046 |
|---|---|
| Date | Aug 8, 2017 |
| Book Page | 025150/000046 |
| Instrument | 312551 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 7, 2047 |
The 2025 property tax bill for 2313 Gnarled Oak Ave was $3,284 with a homeowner's exemption.
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 | $183,645 (+2.7%) | $266,728 (-1.97%) Land $69,187 Building $197,541 | |
| 2025 | $3,284.00 Homeowner's exemption | $178,817 | $272,099 Land $69,187 Building $202,912 |
| 2023 | $2,908.00 (+6.09%) Homeowner's exemption | $168,716 (+3%) | $244,928 (-1.08%) Land $54,621 Building $190,307 |
| 2022 | $2,741.00 Homeowner's exemption | $163,802 | $247,608 Land $50,980 Building $196,628 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2313 Gnarled Oak Ave in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1998.
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 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 2313 Gnarled Oak Ave is moderate, ranking above 46% 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 46% of the US · lower than 82% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINDEMERE UTILITY private · serves 3,080 people · EPA ID FL6290116 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2023 |
| Lead | 3 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 257 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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