5401 Garden Arbor Dr, Lutz, FL 33558 Property Records

Hillsborough County property record for 5401 Garden Arbor Dr, Lutz, FL 33558

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,207 sqft · built 2002
Lot Size	0.85 acres (37,007 sqft)
Owner	2 Company Names on Record
Last Sale	$505,000 (Mar 2017)
Tax Bill	$10,691 (2025)
Deeds & Mortgages	Oct 2022 Transfer Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`012931-7226`

Property Details

APN / Parcel Number

Primary APN	`012931-7226`
Alternative APN	`U0527185G9000002000480`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,207 sqft Living Area
Gross Area	4,481 sqft
1st Floor Area	3,207 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2014
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	37,007 sqft (0.85 acres)
Lot Dimensions	315 ft deep x 151 ft wide
Garage Type	Attached
Garage Area	753 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	337 sqft
Porch	Open Porch
Porch Area	521 sqft
Deck Area	Deck Area
Patio Area	671 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0129317226
Street Address	5401 GARDEN ARBOR DR
City	LUTZ
State	FL
Zip	33558-9099
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	VILLAROSA O LOT 48 BLOCK 2
Legal Range	18E
Legal Township	27S
Legal Section	05
Legal Subdivision	VILLAROSA O
Legal Tract	5G9
Legal Block	2
Legal Lot Number	48
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	KEYSTONE-CITRUS PARK
Census Block Group	2
Census Block	2000
Census Tract	11509

Owner

Source: Hillsborough County records, as of September 30, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	5401 GARDEN ARBOR DR, LUTZ, FL 33558-9099
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Nov 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU
Mar 13, 2017	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2017 · Amount on Record
Deed Sale	Mar 13, 2017 · Amount on Record
Prior Sale	May 3, 2007 · Amount on Record
Deed Document Number	201795321
Deed Book / Page	24790 / 704
Record Updated	Oct 29, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSBOROUGH FL
Recording Date	Oct 20, 2022
Property Address	5401 GARDEN ARBOR DR, LUTZ, FL 33558-9099
Document Number	0000501183
Map Reference	MB 86 PG 12
Instrument Date	Oct 11, 2022
Instrument	2022501183
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5401 GARDEN ARBOR DR, 5401, LUTZ, FL 33558-9099

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	5401 GARDEN ARBOR DR, LUTZ, FL 33558-9099

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	5401 GARDEN ARBOR DR, LUTZ, FL 33558-9099
Transaction Type	Mortgage
Record Updated	Nov 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5401 GARDEN ARBOR DR, LUTZ, FL 33558-9099

Mortgage

Document Number	2021563642
Date	Nov 5, 2021
Instrument	2021563642

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Mar 13, 2017
Property Address	5401 GARDEN ARBOR DR, LUTZ, FL 33558-9099
Document Number	0000095321
Book / Page	24790 / 0704
Map Reference	MB86 PG12
Instrument Date	Mar 6, 2017
Instrument	2017095321
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	HILLSBOROUGH TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,535.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2285 PRESIDENT ST, 2285, CARMEL, IN 46032-8283

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5401 GARDEN ARBOR DR, LUTZ, FL 33558-9099

Mortgage

Document Number	0000095322
Date	Mar 13, 2017
Instrument	2017095322

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

Source: Hillsborough County assessment roll, as of September 29, 2026

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
2026		$608,335 (+2.7%)	$842,788 (+1.38%) Land $365,511 Building $477,277
2025	$10,691.00 (+11.9%) Homeowner's exemption	$592,342 (+5.99%)	$831,338 (+3.99%) Land $347,235 Building $484,103
2023	$9,554.00 (+4.5%) Homeowner's exemption	$558,882 (+4.03%)	$799,472 (+19.43%) Land $328,960 Building $470,512
2022	$9,143.00 Homeowner's exemption	$537,216	$669,427 Land $219,307 Building $450,120

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 72 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	72 in force
Nearby Flood Claims	8 (1988–2024)
Claims Outside the SFHA	7 of 8
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 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	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% 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	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 212 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

Cell Coverage

5G (outdoors only) and 4G LTE

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