Hillsborough County property record for 2514 Rustic Oaks Dr, Lutz, FL 33559
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,189 sqft · built 2000 |
| Lot Size | 0.834 acres (36,306 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $525,000 (Aug 2022) |
| Tax Bill | $4,337 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Mar 2019 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 032975-4114 |
| Primary APN | 032975-4114 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,189 sqft Living Area |
| Gross Area | 3,221 sqft |
| 1st Floor Area | 2,189 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 36,306 sqft (0.834 acres) |
| Lot Dimensions | 171 ft deep x 160 ft wide |
| View / Lot | Lake |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 351 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 528 sqft |
| Patio Area | 730 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0329754114 |
|---|---|
| Street Address | 2514 RUSTIC OAKS DR |
| City | LUTZ |
| State | FL |
| Zip | 33559-4003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSC-2 |
| Legal Description | COUNTRY OAKS LOT 7 |
| Legal Range | 19E |
| Legal Township | 27S |
| Legal Section | 05 |
| Legal Subdivision | COUNTRY OAKS |
| Legal Tract | 19E |
| Legal Lot Number | 7 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | TAMPA |
| Census Block Group | 1 |
| Census Block | 1000 |
| 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 | 2514 RUSTIC OAKS DR, LUTZ, FL 33559-4003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 30, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 23, 2019 | Deed of Trust, Mortgage · VA Mortgage SYNERGY ONE LENDING |
| Mar 10, 2020 | Deed of Trust, Mortgage · VA Mortgage MUTUAL/OMAHA MTG LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 30, 2022 · Amount on Record |
| Deed Sale | Aug 30, 2022 · Amount on Record |
| Prior Sale | Sep 27, 2012 · Amount on Record |
| Deed Document Number | 2022425317 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Aug 30, 2022 |
| Property Address | 2514 RUSTIC OAKS DR, LUTZ, FL 33559-4003 |
| Document Number | 0000425317 |
| Map Reference | MB 49 PG 56 |
| Instrument Date | Aug 29, 2022 |
| Instrument | 2022425317 |
| Transaction Type | Transfer |
| Record Updated | Sep 13, 2022 |
| Title Company | MASTERPIECE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,675.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12308 DESERT PALMS AVE, 12308, EL PASO, TX 79938-2293 |
| Name | Verified Name |
|---|---|
| Address | 2514 RUSTIC OAKS DR, LUTZ, FL 33559-4003 |
| Document Number | 0000425318 |
|---|---|
| Date | Aug 30, 2022 |
| Instrument | 2022425318 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 2514 RUSTIC OAKS DR, LUTZ, FL 33559-4003 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0264891033 |
|---|---|
| Date | Mar 23, 2019 |
| Book Page | 26489/1033 |
| Instrument | 2019122405 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Lending Institution |
| Address | LOMBARD, IL 60148 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 2514 RUSTIC OAKS DR, LUTZ, FL 33559-4003 |
| Document Number | 0000124759 |
| Instrument Date | Mar 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 2514 RUSTIC OAKS DR LUTZ FL 335594003, LUTZ, FL 33559-4003 |
| Document Number | 0000124759 |
|---|---|
| Date | Mar 25, 2020 |
| Instrument | 124759 |
| Name | MUTUAL/OMAHA MTG LLC |
|---|---|
| Address | LOMBARD, IL 60148 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 24, 2050 |
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 | $243,690 (+2.7%) | $426,896 (+1.36%) Land $121,889 Building $305,007 | |
| 2025 | $4,337.00 (+13.74%) Homeowner's exemption | $237,283 (+5.99%) | $421,169 (+17.79%) Land $108,346 Building $312,823 |
| 2023 | $3,813.00 (-7.61%) Homeowner's exemption | $223,880 (-9.06%) | $357,572 (+0.37%) Land $81,259 Building $276,313 |
| 2022 | $4,127.00 Homeowner's exemption | $246,194 | $356,253 Land $54,173 Building $302,080 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 | 64.6 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 53 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 53 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 63% of the US · lower than 61% 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 121 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 |
| AT&T Fixed Wireless | 100 / 20 |
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