5408 Garden Arbor Dr, Lutz, FL 33558 Property Records

Hillsborough County property record for 5408 Garden Arbor Dr, Lutz, FL 33558

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,511 sqft · built 2000
Lot Size	0.356 acres (15,489 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Dec 2014)
Tax Bill	$7,827 (2025)
Deeds & Mortgages	Mar 2026 Transfer Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012931-7220`

Property Details

APN / Parcel Number

Primary APN	`012931-7220`
Alternative APN	`U0527185G9000002000450`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,511 sqft Living Area
Gross Area	4,650 sqft
1st Floor Area	2,959 sqft
Upper Floors Area	552 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2012
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,489 sqft (0.356 acres)
Lot Dimensions	170 ft deep x 96.4 ft wide
Garage Type	Attached
Garage Area	620 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	416 sqft
Porch	Open Porch
Porch Area	519 sqft
Deck Area	Deck Area
Patio Area	731 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0129317220
Street Address	5408 GARDEN ARBOR DR
City	LUTZ
State	FL
Zip	33558-9098
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	VILLAROSA O LOT 45 BLOCK 2
Legal Range	18E
Legal Township	27S
Legal Section	05
Legal Subdivision	VILLAROSA O
Legal Tract	5G9
Legal Block	2
Legal Lot Number	45
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 Individual Names on Record
Mailing Address	5408 GARDEN ARBOR DR, LUTZ, FL 33558-9098
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage R P FNDG INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2014 · Amount on Record
Deed Sale	Dec 12, 2014 · Amount on Record
Prior Sale	Apr 9, 2014
Deed Document Number	2014427725
Deed Book / Page	22973 / 712
Last Transfer Date	Feb 23, 2026
Transfer Doc	0000083529
Record Updated	Oct 29, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSBOROUGH FL
Recording Date	Mar 4, 2026
Property Address	5408 GARDEN ARBOR DR, LUTZ, FL 33558-9098
Document Number	0000083529
Map Reference	MB 86 PG 12
Instrument Date	Feb 23, 2026
Instrument	2026083529
Transaction Type	Transfer
Record Updated	May 11, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5408 GARDEN ARBOR DR, LUTZ, FL 33558-9098

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	5408 GARDEN ARBOR DR, LUTZ, FL 33558-9098

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	5408 GARDEN ARBOR DR, LUTZ, FL 33558-9098
Document Number	0000267618
Instrument Date	Jun 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5408 GARDEN ARBOR DR LUTZ FL 335589098, LUTZ, FL 33558-9098

Mortgage

Document Number	0000267618
Date	Jun 29, 2020
Instrument	267618

Lender

Name	R P FNDG INC
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 28, 2035

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		$449,758 (+2.7%)	$644,065 (-0.47%) Land $180,324 Building $463,741
2025	$7,827.00 (+8.56%) Homeowner's exemption	$437,934 (+5.99%)	$647,098 (+3.33%) Land $171,308 Building $475,790
2024	$7,210.00 (+3.37%)
2023	$6,975.00 (+3.83%) Homeowner's exemption	$413,196 (+3%)	$626,262 (+13.57%) Land $162,292 Building $463,970
2022	$6,718.00 Homeowner's exemption	$401,161	$551,436 Land $108,194 Building $443,242

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 A, 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 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.08% 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 78 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 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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