4515 Gulfwinds Dr, Lutz, FL 33558 Property Records

Hillsborough County property record for 4515 Gulfwinds Dr, Lutz, FL 33558

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,715 sqft · built 1996
Lot Size	0.223 acres (9,750 sqft)
Owner	Individual Name on Record
Last Sale	$279,900 (Mar 2020)
Tax Bill	$5,039 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0145253076`

Property Details

APN / Parcel Number

Primary APN	`0145253076`
Alternative APN	`U1627180K8A00000000540`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,715 sqft Heated Area
1st Floor Area	1,715 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2010
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,750 sqft (0.223 acres)
Lot Dimensions	195 ft deep x 50 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	305 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	0145253076
Street Address	4515 GULFWINDS DR
City	LUTZ
State	FL
Zip	33558-2750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	CALUSA TRACE UNIT IX PHASE II LOT 54 BLOCK A
Legal Range	18E
Legal Township	27S
Legal Section	16
Legal Subdivision	CALUSA TRACE UNIT IX PHASE II
Legal Phase	II
Legal Block	A
Legal Lot Number	54
Legal Unit	9
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	KEYSTONE-CITRUS PARK
Census Block Group	2
Census Block	2000
Census Tract	11522

Owner

Source: Hillsborough County records, as of December 17, 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	4515 GULFWINDS DR, LUTZ, FL 33558-2750
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2020 · Amount on Record
Deed Sale	Mar 16, 2020 · Amount on Record
Prior Sale	Dec 29, 2016 · Amount on Record
Deed Document Number	2020106491
Record Updated	Jun 8, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Mar 16, 2020
Property Address	4515 GULFWINDS DR, LUTZ, FL 33558-2750
Document Number	0000106491
Map Reference	MB 74 PG 43-1-43-3
Instrument Date	Mar 3, 2020
Instrument	2020106491
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,959.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000106492
Date	Mar 16, 2020
Instrument	2020106492

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,039.00 (+13.36%) Homeowner's exemption	$278,641 (+5.99%)	$354,093 (+15.47%) Land $135,242 Building $218,851
2023	$4,445.00 (+4.81%) Homeowner's exemption	$262,901 (+3%)	$306,660 (-5.1%) Land $93,629 Building $213,031
2022	$4,241.00 Homeowner's exemption	$255,244	$323,134 Land $93,629 Building $229,505

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 67 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	67 in force
Nearby Flood Claims	3 (2004–2015)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2015 · river or lake flooding
Claims by Event	Hurricane Frances, Sep 2004 · 2 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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 213 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
T-Mobile Fixed Wireless	100 / 20