4245 Cloud Hopper Way, Lutz, FL 33559 Property Records

Pasco County property record for 4245 Cloud Hopper Way, Lutz, FL 33559

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,586 sqft · built 2022
Lot Size	0.056 acres (2,473 sqft)
Owner	Individual Name on Record
Last Sale	$428,708 (Oct 2022)
Tax Bill	$7,157 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-26-19-0150-00000-1180`

Property Details

APN / Parcel Number

Primary APN	`14-26-19-0150-00000-1180`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,586 sqft Living Area
Gross Area	3,168 sqft
Upper Floors Area	1,576 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Stucco
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	2,473 sqft (0.056 acres)
Garage Area	399 sqft
Porch	Finished/Screened Porch
Porch Area	143 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	4245 CLOUD HOPPER WAY
City	LUTZ
State	FL
Zip	33559-6874
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MPUD
Legal Description	VOLANTI PB 84 PG 132 LOT 118
Legal Lot Number	118
Jurisdiction	PASCO FL
Township / Civil Division	CENTRAL PASCO
Census Block Group	2
Census Block	2010
Census Tract	32012

Owner

Source: Pasco County records, as of December 19, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4245 CLOUD HOPPER WAY, LUTZ, FL 33559-6874
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
Oct 25, 2022	Special Warranty Deed, Transfer · Conventional Mortgage MATTAMY HOME FUNDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2022 · Amount on Record
Deed Sale	Oct 25, 2022 · Amount on Record
Deed Document Number	2022229132
Deed Book / Page	10712 / 1018
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Recording Date	Jul 28, 2026
Property Address	4245 CLOUD HOPPER WAY, LUTZ, FL 33559-6874
Document Number	0000141191
Book / Page	11466 / 511
Instrument Date	Jul 23, 2026
Instrument	2026141191
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4245 CLOUD HOPPER WAY, LUTZ, FL 33559-6874

Mortgage

Document Number	0000141191,
Date	Jul 28, 2026
Book Page	11466/511
Instrument	2026141191

Lender

Name	TRUSTCO BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Oct 25, 2022
Property Address	4245 CLOUD HOPPER WAY, LUTZ, FL 33559-6874
Document Number	0107121018
Book / Page	10712 / 1018
Map Reference	MB 84 PG 132
Instrument Date	Oct 19, 2022
Instrument	2022229132
Transaction Type	Transfer
Record Updated	Feb 9, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,001.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4107 CRESCENT PARK DR, RIVERVIEW, FL 33578-3030

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4245 CLOUD HOPPER WAY, LUTZ, FL 33559-6874

Mortgage

Document Number	0107121023
Date	Oct 25, 2022
Instrument	10712/1023

Lender

Name	MATTAMY HOME FUNDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2037

Tax Assessment & Valuation

Source: Pasco County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pasco County
Unified School District	Pasco County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,157.00 (+9.65%)	$413,198 (+10.09%) Land $34,562 Building $378,636	$413,198 (+10.09%) Land $34,562 Building $378,636
2023	$6,527.00 (+1,140.87%)	$375,313 (+1,018.53%) Land $34,562 Building $340,751	$375,313 (+1,018.53%) Land $34,562 Building $340,751
2022	$526.00	$33,554	$33,554 Land $33,554

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 51 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	51 in force
Nearby Flood Claims	17 (1979–2024)
Claims Outside the SFHA	1 of 17
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 4 claims Hurricane Frances, Sep 2004 · 3 claims

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 Risk	High above 76% of the US · above 63% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PCUD-PASCO COUNTY REGIONAL PWS serves 214,403 people · EPA ID FL6511361
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Jan 2026
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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