Hillsborough County property record for 4308 Harborwatch Ln, Lutz, FL 33558
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,773 sqft · built 2001 |
| Lot Size | 0.313 acres (13,641 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $462,500 (Sep 2020) |
| Tax Bill | $11,826 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 012928-0612 |
| Primary APN | 012928-0612 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,773 sqft Living Area |
| Gross Area | 5,288 sqft |
| 1st Floor Area | 126 sqft |
| 2nd Floor Area | 3,248 sqft |
| Upper Floors Area | 399 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 13,641 sqft (0.313 acres) |
| Lot Dimensions | 142 ft deep x 98 ft wide |
| View / Lot | Pond |
| Garage Type | Attached |
| Garage Area | 609 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Pool Area | 392 sqft |
| Porch | Open Porch |
| Porch Area | 405 sqft |
| Patio Area | 983 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0129280612 |
|---|---|
| Street Address | 4308 HARBORWATCH LN |
| City | LUTZ |
| State | FL |
| Zip | 33558-9704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | HERITAGE HARBOR PHASE 1B LOT 4 BLOCK 3 |
| Legal Range | 18E |
| Legal Township | 27S |
| Legal Section | 04 |
| Legal Subdivision | HERITAGE HARBOR PHASE 1B |
| Legal Tract | H8 |
| Legal Block | 3 |
| Legal Lot Number | 4 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | KEYSTONE-CITRUS PARK |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 11510 |
4308 Harborwatch Ln is owned by a company that acquired it in December 2024.
Source: Hillsborough County records, as of September 30, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 21387 MARINA COVE CIR, F12, MIAMI, FL 33180-3556 |
| Owner Type | Company |
| Vesting | Life Tenant |
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 |
|---|---|
| Jun 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FM HOME LOANS LLC |
| Sep 2, 2020 | Warranty Deed, Transfer · Conventional Mortgage SCHONBRUN HARVEY (TE) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 2, 2020 · Amount on File |
| Deed Sale | Sep 2, 2020 · Amount on File |
| Prior Sale | Jul 26, 2002 · Amount on File |
| Deed Document Number | 2020359994 |
| Last Transfer Date | Dec 13, 2024 |
| Transfer Doc | 0000194902 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 4308 HARBORWATCH LN, LUTZ, FL 33558-9704 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2021 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|---|
| Address | 4308 HARBORWATCH LN, LUTZ, FL 33558-9704 |
| Document Number | 2021324469 |
|---|---|
| Date | Jun 28, 2021 |
| Instrument | 2021324469 |
| Name | FM HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | BROOKLYN, NY 11210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Sep 2, 2020 |
| Property Address | 4308 HARBORWATCH LN, LUTZ, FL 33558-9704 |
| Document Number | 0000359994 |
| Instrument Date | Aug 19, 2020 |
| Instrument | 359994 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2020 |
| Title Company | AMERICAN PATRIOT TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,238.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4308 HARBORWATCH LN LUTZ FL 335589704, LUTZ, FL 33558-9704 |
| Document Number | 359995 |
|---|---|
| Date | Sep 2, 2020 |
| Instrument | 359995 |
| Name | SCHONBRUN HARVEY (TE) |
|---|---|
| Address | 1802 N MORGAN ST, TAMPA, FL 33602-2328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 84 Months |
| Due | Sep 1, 2027 |
| Rate | 10% |
|---|
The 2025 property tax bill for 4308 Harborwatch Ln was $11,826, up 7.1% from the year before.
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 | $759,475 (+37.12%) Land $230,449 Building $529,026 | $759,475 (-2.03%) Land $230,449 Building $529,026 | |
| 2025 | $11,826.00 (+7.06%) Homeowner's exemption | $553,882 | $775,221 Land $230,449 Building $544,772 |
| 2024 | $11,046.00 (+2.66%) | ||
| 2023 | $10,760.00 (+2.87%) Homeowner's exemption | $522,594 (+3%) | $693,672 (-3.04%) Land $184,359 Building $509,313 |
| 2022 | $10,460.00 Homeowner's exemption | $507,373 | $715,441 Land $184,359 Building $531,082 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4308 Harborwatch Ln in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 48 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 48 in force |
| Nearby Flood Claims | 9 (1979–2017) |
| Claims Outside the SFHA | 2 of 9 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| 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 4308 Harborwatch Ln is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 | HCWRC/NORTHWEST UTILITIES serves 208,982 people · EPA ID FL6290388 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2023) 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 298 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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