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5406 Garden Arbor Dr, Lutz, FL 33558 Property Records

Hillsborough County property record for 5406 Garden Arbor Dr, Lutz, FL 33558

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,769 sqft · built 2000
Lot Size0.434 acres (18,899 sqft)
Owner2 Individual Names on Record
Last Sale$283,000 (Jun 2002)
Tax Bill$6,657 (2025)
Deeds & MortgagesJul 2022 Line of Credit
Flood ZoneZone X (minimal risk)
APN012931-7222

Property Details

APN / Parcel Number

Primary APN012931-7222
Alternative APN
  • U0527185G9000002000460

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,769 sqft Living Area
Gross Area3,731 sqft
1st Floor Area2,769 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2012
Architectural StyleContemporary
Exterior MaterialBrick/Stone
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area18,899 sqft (0.434 acres)
Lot Dimensions186 ft deep x 120 ft wide
Garage TypeAttached
Garage Area628 sqft
Parking Spaces2 Parking Spaces
Pool Area375 sqft
PorchOpen Porch
Porch Area334 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number0129317222
Street Address5406 GARDEN ARBOR DR
CityLUTZ
StateFL
Zip33558-9098
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePD
Legal DescriptionVILLAROSA O LOT 46 BLOCK 2
Legal Range18E
Legal Township27S
Legal Section05
Legal SubdivisionVILLAROSA O
Legal Tract5G9
Legal Block2
Legal Lot Number46
JurisdictionHILLSBOROUGH FL
Township / Civil DivisionKEYSTONE-CITRUS PARK
Census Block Group2
Census Block2000
Census Tract11509

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 Record2 Individual Names on Record
Mailing Address5406 GARDEN ARBOR DR, LUTZ, FL 33558-9098
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 26, 2002 · Amount on Record
Deed SaleJun 26, 2002 · Amount on Record
Prior SaleJun 23, 2000 · Amount on Record
Deed Book / Page11737 / 299
Record UpdatedOct 29, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHILLSBOROUGH FL
Property Address5406 GARDEN ARBOR DR, LUTZ, FL 33558-9098
Transaction TypeMortgage
Record UpdatedJul 20, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address5406 GARDEN ARBOR DR, LUTZ, FL 33558-9098

Mortgage

Document Number0000335852
DateJul 7, 2022
Instrument2022335852
Lender
NameSYNOVUS BANK
TypeBank
AddressSNELLVILLE, GA 30039
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyHillsborough County
Unified School DistrictHillsborough County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$381,336 (+2.7%)$647,971 (+0.22%) Land $239,425 Building $408,546
2025$6,657.00 (+12.32%) Homeowner's exemption$371,311 (+5.99%)$646,540 (+3.72%) Land $227,453 Building $419,087
2023$5,927.00 (+4.11%) Homeowner's exemption$350,336 (+3%)$623,336 (+16.16%) Land $215,482 Building $407,854
2022$5,693.00 Homeowner's exemption$340,132$536,627 Land $143,655 Building $392,972

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 72 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies72 in force
Nearby Flood Claims8 (1988–2024)
Claims Outside the SFHA7 of 8
Most Recent ClaimOct 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 RiskModerate
above 46% of the US · lower than 83% of Florida
Wildfire Likelihood0.08% annual chance
ExposureDirect
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 SystemHCWRC/NORTHWEST UTILITIES
serves 208,982 people · EPA ID FL6290388
Water SourcePurchased surface water from several systems
Last State InspectionSep 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 78 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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