Hillsborough County property record for 4309 Harborwatch Ln, Lutz, FL 33558
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 4,841 sqft · built 2003 |
| Lot Size | 0.313 acres (13,636 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $806,000 (Jul 2021) |
| Tax Bill | $17,904 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Apr 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 012928-0604 |
| Primary APN | 012928-0604 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 4,841 sqft Living Area |
| Gross Area | 7,810 sqft |
| 1st Floor Area | 757 sqft |
| 2nd Floor Area | 3,844 sqft |
| Upper Floors Area | 240 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 13,636 sqft (0.313 acres) |
| Lot Dimensions | 151 ft deep x 90 ft wide |
| View / Lot | Pond |
| Garage Type | Attached |
| Garage Area | 1,118 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Screened Porch |
| Porch Area | 1,253 sqft |
| Patio Area | 668 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0129280604 |
|---|---|
| Street Address | 4309 HARBORWATCH LN |
| City | LUTZ |
| State | FL |
| Zip | 33558-9706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | HERITAGE HARBOR PHASE 1B LOT 12 BLOCK 2 |
| Legal Range | 18E |
| Legal Township | 27S |
| Legal Section | 04 |
| Legal Subdivision | HERITAGE HARBOR PHASE 1B |
| Legal Tract | H8 |
| Legal Block | 2 |
| Legal Lot Number | 12 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | KEYSTONE-CITRUS PARK |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 11510 |
4309 Harborwatch Ln is owned and occupied by two individuals who bought it in July 2021.
Source: Hillsborough County records, as of September 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4309 HARBORWATCH LN, LUTZ, FL 33558-9706 |
| 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 |
|---|---|
| Jul 13, 2021 | Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK |
| Apr 5, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2021 · Amount on File |
| Deed Sale | Jul 13, 2021 · Amount on File |
| Prior Sale | Jan 10, 2007 · Amount on File |
| Deed Document Number | 2021349691 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Jul 13, 2021 |
| Property Address | 4309 HARBORWATCH LN, LUTZ, FL 33558-9706 |
| Document Number | 2021349691 |
| Map Reference | MB 83 PG 1 |
| Instrument Date | Jul 12, 2021 |
| Instrument | 2021349691 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2021 |
| Title Company | ENTERPRISE TITLE PARTNERS, ENTERPRISE TTL PARTNERS OF N |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,642.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 19915 GULF BLVD UNIT 105, 19915, INDIAN SHORES, FL 33785-2496 |
| Name | Verified Name |
|---|---|
| Address | 4309 HARBORWATCH LN, LUTZ, FL 33558-9706 |
| Document Number | 2021349692 |
|---|---|
| Date | Jul 13, 2021 |
| Instrument | 2021349692 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 4309 HARBORWATCH LN, LUTZ, FL 33558-9706 |
| Document Number | 0265401908 |
| Instrument Date | Apr 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 43098 HARBORWAICH LN LUTZ FL 33558, LUTZ, FL 33558 |
| Document Number | 0265401908 |
|---|---|
| Date | Apr 15, 2019 |
| Book Page | 026540/001908 |
| Instrument | 154247 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 14, 2034 |
The 2025 property tax bill for 4309 Harborwatch Ln was $17,904 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 | $907,068 (+2.56%) Land $227,497 Building $679,571 | $907,068 (-1.16%) Land $227,497 Building $679,571 | |
| 2025 | $17,904.00 Homeowner's exemption | $884,403 | $917,680 Land $227,497 Building $690,183 |
| 2023 | $16,229.00 (-2.98%) Homeowner's exemption | $834,445 (-3.29%) Land $181,997 Building $652,448 | $834,445 (-3.29%) Land $181,997 Building $652,448 |
| 2022 | $16,727.00 Homeowner's exemption | $862,872 Land $181,997 Building $680,875 | $862,872 Land $181,997 Building $680,875 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4309 Harborwatch Ln in Zone X, an area of minimal flood risk, within 500 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 500 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 4309 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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