5412 Garden Arbor Dr, Lutz, FL 33558 Property Records

Hillsborough County property record for 5412 Garden Arbor Dr, Lutz, FL 33558

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,214 sqft · built 2001
Lot Size	0.341 acres (14,836 sqft)
Owner	2 Individual Names on Record
Last Sale	$850,000 (Jun 2022)
Tax Bill	$597 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`012931-7216`

Property Details

APN / Parcel Number

Primary APN	`012931-7216`
Alternative APN	`U0527185G9000002000430`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,214 sqft Living Area
Gross Area	4,251 sqft
1st Floor Area	2,854 sqft
Upper Floors Area	360 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2018
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	14,836 sqft (0.341 acres)
Lot Dimensions	177 ft deep x 85.7 ft wide
Garage Type	Attached
Garage Area	591 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	485 sqft
Porch	Open Porch
Porch Area	446 sqft
Deck Area	Deck Area
Patio Area	355 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0129317216
Street Address	5412 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 43 BLOCK 2
Legal Range	18E
Legal Township	27S
Legal Section	05
Legal Subdivision	VILLAROSA O
Legal Tract	5G9
Legal Block	2
Legal Lot Number	43
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	5412 GARDEN ARBOR DR, LUTZ, FL 33558-9098
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION
Jul 19, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 15, 2022	Warranty Deed, Transfer SERENITY TITLE, SERENITY TITLE LLC
Sep 3, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 6, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2022 · Amount on Record
Deed Sale	Jun 15, 2022 · Amount on Record
Prior Sale	Jun 6, 2018 · Amount on Record
Deed Document Number	2022302680
Prior Transfer Date	Aug 30, 2021
Prior Transfer Doc	2021449556
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Recording Date	Aug 27, 2026
Property Address	5412 GARDEN ARBOR DR, LUTZ, FL 33558-9098
Document Number	0000335487
Instrument Date	Aug 21, 2026
Instrument	2026335487
Transaction Type	Mortgage
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5412 GARDEN ARBOR DR, LUTZ, FL 33558-9098

Mortgage

Document Number	0000335487,
Date	Aug 27, 2026
Instrument	2026335487

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	5412 GARDEN ARBOR DR, LUTZ, FL 33558-9098
Transaction Type	Mortgage
Record Updated	Aug 3, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5412 GARDEN ARBOR DR, LUTZ, FL 33558-9098

Mortgage

Document Number	0000314622
Date	Jul 19, 2023
Instrument	2023314622

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jun 15, 2022
Property Address	5412 GARDEN ARBOR DR, LUTZ, FL 33558-9098
Document Number	0000302680
Map Reference	MB 86 PG 12
Instrument Date	Jun 8, 2022
Instrument	2022302680
Transaction Type	Transfer
Record Updated	Jun 30, 2022
Title Company	SERENITY TITLE, SERENITY TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$5,950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1720 URBAN TRL APT 216, 1720, CHATTANOOGA, TN 37405-1550

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5418 DRIFT TIDE DR, NEW PORT RICHEY, FL 34652-6047

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HILLSBOROUGH FL
Recording Date	Sep 3, 2021
Property Address	5412 GARDEN ARBOR DR, LUTZ, FL 33558-9098
Document Number	2021449556
Map Reference	MB 86 PG 12
Instrument Date	Aug 30, 2021
Instrument	2021449556
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5412 GARDEN ARBOR DR, LUTZ, FL 33558-9098

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Jun 6, 2018
Property Address	5412 GARDEN ARBOR DR, LUTZ, FL 33558-9098
Document Number	0258190224
Book / Page	025819 / 000224
Instrument Date	May 31, 2018
Instrument	223009
Transaction Type	Transfer
Record Updated	Jul 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,605.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5412 GARDEN ARBOR DR LUTZ FL 335589098, LUTZ, FL 33558-9098

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		$656,075 (-0.08%) Land $168,546 Building $487,529	$656,075 (-0.08%) Land $168,546 Building $487,529
2025	$597.00 (-94.66%) Disabled Person's exemption Veteran's exemption	$656,621 (+3.4%) Land $160,119 Building $496,502	$656,621 (+3.4%) Land $160,119 Building $496,502
2024	$11,171.00 (+3.13%)
2023	$10,832.00 Homeowner's exemption	$635,036 Land $151,692 Building $483,344	$635,036 Land $151,692 Building $483,344

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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