Hillsborough County property record for 2320 Clement Rd, Lutz, FL 33549
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,226 sqft · built 2019 |
| Lot Size | 1.05 acres (45,805 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $123,000 (Mar 2019) |
| Tax Bill | $8,250 (2025) |
| Deeds & Mortgages | Mar 2020 Loan Modification Mar 2019 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 033960-4222 |
| Primary APN | 033960-4222 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,226 sqft Living Area |
| Gross Area | 4,144 sqft |
| 1st Floor Area | 1,942 sqft |
| 2nd Floor Area | 1,240 sqft |
| Upper Floors Area | 44 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 45,805 sqft |
| Lot Dimensions | 305 ft deep x 150 ft wide |
| Garage Type | Attached |
| Garage Area | 650 sqft |
| Porch | Open Porch |
| Porch Area | 268 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0339604222 |
|---|---|
| Street Address | 2320 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 6 |
| Legal Range | 19E |
| Legal Township | 27S |
| Legal Section | 20 |
| Legal Subdivision | OAKWOOD RESERVE |
| Legal Lot Number | 6 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | TAMPA |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 11006 |
Source: Hillsborough County records, as of September 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2320 CLEMENT RD, LUTZ, FL 33549-7513 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 10, 2020 | Loan Modification, Mortgage HANCOCK WHITNEY BK |
| Mar 29, 2019 | Special Warranty Deed, Construction Loan · Construction Mortgage WHITNEY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 29, 2019 · Amount on Record |
| Deed Sale | Mar 29, 2019 · Amount on Record |
| Deed Document Number | 2019134266 |
| Deed Book / Page | 26507 / 1813 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 2320 CLEMENT RD, LUTZ, FL 33549-7513 |
| Document Number | 0000136950 |
| Instrument Date | Mar 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2320 CLEMENT RD LUTZ FL 33549, LUTZ, FL 33549 |
| Document Number | 0000136950 |
|---|---|
| Date | Mar 31, 2020 |
| Instrument | 136950 |
| Name | HANCOCK WHITNEY BK |
|---|---|
| Address | NEW ORLEANS, LA 70122 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 30, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Mar 29, 2019 |
| Property Address | 2320 CLEMENT RD, LUTZ, FL 33549-7513 |
| Document Number | 0000134266 |
| Book / Page | 26507 / 1813 |
| Map Reference | MB 131 PG 277 |
| Instrument Date | Mar 27, 2019 |
| Instrument | 2019134266 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 3, 2022 |
| Title Company | HILLSBOROUGH TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $861.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3160 S FALKENBURG RD, 3160, RIVERVIEW, FL 33578-2541 |
| Name | Verified Name |
|---|---|
| Address | 2320 CLEMENT RD, LUTZ, FL 33549-7513 |
| Document Number | 0000134267 |
|---|---|
| Date | Mar 29, 2019 |
| Instrument | 2019134267 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Type Change Date | Apr 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9.62% |
| Index | 1-Year LIBOR |
| Max Rate | 9.62% |
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 | $522,456 (+13.3%) | $732,646 (+5.98%) Land $202,032 Building $530,614 | |
| 2025 | $8,250.00 (+12.17%) Homeowner's exemption | $461,118 (+5.99%) | $691,334 (+0.93%) Land $202,032 Building $489,302 |
| 2023 | $7,355.00 (+3.74%) Homeowner's exemption | $435,070 (+3%) | $684,958 (+10.21%) Land $210,450 Building $474,508 |
| 2022 | $7,090.00 Homeowner's exemption | $422,398 | $621,520 Land $210,450 Building $411,070 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 63% of the US · lower than 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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