Pasco County property record for 4946 Thames Pl, Lutz, FL 33559
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,584 sqft · built 1973 |
| Lot Size | 0.195 acres (8,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $217,500 (Feb 2020) |
| Tax Bill | $2,575 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Feb 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-26-19-0020-00000-0190 |
| Primary APN | 14-26-19-0020-00000-0190 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,584 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,500 sqft (0.195 acres) |
| Garage Type | Carport |
| Garage Area | 280 sqft |
| Carport | Carport |
| Carport Area | 280 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 700 sqft |
| Porch | Florida Room |
| Porch Area | 520 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 4946 THAMES PL |
|---|---|
| City | LUTZ |
| State | FL |
| Zip | 33559-6224 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | TAMPA DOWNS HEIGHTS UNIT 2 PB 10 PG 60 LOT 19 |
| Legal Range | 19E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | TAMPA DOWNS HEIGHTS |
| Legal Tract | 20 |
| Legal Lot Number | 19 |
| Legal Unit | 2 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | CENTRAL PASCO |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 32012 |
Source: Pasco County records · APN 14-26-19-0020-00000-0190
Assessment roll updated December 29, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 4946 THAMES PL, LUTZ, FL 33559-6224 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 20, 2020 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 10, 2018 | Warranty Deed, Construction Loan · Line of Credit LENDINGONE |
| Dec 06, 2018 | Warranty Deed, Transfer LYONS TITLE AND TRUST, LYONS TITLE & TR |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 20, 2020 · Amount on Record |
| Deed Sale | Feb 20, 2020 · Amount on Record |
| Prior Sale | Dec 10, 2018 · Amount on Record |
| Deed Document Number | 202030461 |
| Deed Book / Page | 10056 / 3819 |
| Transfer Doc | 3881001279 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 4946 THAMES PL, LUTZ, FL 33559-6224 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4946 THAMES PL, LUTZ, FL 33559-6224 |
| Document Number | 0103421619 |
|---|---|
| Date | May 10, 2021 |
| Book Page | 10342/1619 |
| Instrument | 2021094293 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Feb 20, 2020 |
| Property Address | 4946 THAMES PL, LUTZ, FL 33559-6224 |
| Document Number | 0100563819 |
| Book / Page | 10056 / 3819 |
| Map Reference | MB 10 PG 60 |
| Instrument Date | Feb 12, 2020 |
| Instrument | 2020030461 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,522.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 26614 MAGNOLIA BLVD, 26614, LUTZ, FL 33559-6206 |
| Name | Verified Name |
|---|---|
| Address | 4946 THAMES PL, LUTZ, FL 33559-6224 |
| Document Number | 100563822 |
|---|---|
| Date | Feb 20, 2020 |
| Instrument | 10056/3822 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Dec 10, 2018 |
| Property Address | 4946 THAMES PL, LUTZ, FL 33559-6224 |
| Document Number | 0098290813 |
| Book / Page | 009829 / 000813 |
| Instrument Date | Dec 05, 2018 |
| Instrument | 206214 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 27, 2018 |
| Title Company | LYONS TITLE AND TRUST, LYONS TITLE & TR |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $819.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 26614 MAGNOLIA BLVD #B LUTZ FL 335596206, B, LUTZ, FL 33559-6206 |
| Document Number | 98290816 |
|---|---|
| Date | Dec 10, 2018 |
| Book Page | 009829/000816 |
| Instrument | 206216 |
| Name | LENDINGONE |
|---|---|
| Address | BOCA RATON, FL 33431 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Dec 09, 2020 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Dec 06, 2018 |
| Property Address | 4946 THAMES PL, LUTZ, FL 33559-6224 |
| Document Number | 0098272483 |
| Book / Page | 009827 / 002483 |
| Instrument Date | Dec 05, 2018 |
| Instrument | 204072 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2018 |
| Title Company | LYONS TITLE AND TRUST, LYONS TITLE & TR |
| Amount | Amount Recorded |
|---|---|
| Tax | $665.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2575 N TOLEDO BLADE BLVD #1 NORTH PORT FL 342899350, 1, NORTH PORT, FL 34289-9350 |
Source: Pasco County records · Assessment roll updated December 29, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Pasco County |
| Unified School District | Pasco County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $180,080 (+2.9%) | $236,313 (-1.29%) Land $53,465 Building $182,848 | |
| 2025 | $2,575.00 (+6.71%) Homeowner's exemption | $175,010 (+5.98%) Land $53,465 Building $121,545 | $239,412 (-4.18%) Land $53,465 Building $185,947 |
| 2023 | $2,413.00 (+11.15%) Additional exemption filed | $165,130 (+3%) Land $46,495 Building $118,635 | $249,860 (+29.11%) Land $46,495 Building $203,365 |
| 2022 | $2,171.00 Homeowner's exemption | $160,320 Land $38,760 Building $121,560 | $193,523 Land $38,760 Building $154,763 |
Source: FEMA National Flood Hazard Layer, Pasco County (12101C), updated September 20, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121010320121, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 15 in force |
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 174 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | PCUD-PASCO COUNTY REGIONAL PWS serves 214,403 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2025 |
| Lead | 1 ppb (2023) action level 15 ppb |
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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