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5414 Garden Arbor Dr, Lutz, FL 33558 Property Records

Hillsborough County property record for 5414 Garden Arbor Dr, Lutz, FL 33558

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 3,810 sqft · built 2001
Lot Size0.755 acres (32,896 sqft)
Owner2 Individual Names on Record
Last Sale$533,200 (Aug 2014)
Tax Bill$10,271 (2025)
Deeds & MortgagesJun 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN012931-7214

Property Details

APN / Parcel Number

Primary APN012931-7214
Alternative APN
  • U0527185G9000002000420

Interior

Bedrooms4 Beds
Full Baths4 Baths
Stories2 Stories
Building Area3,810 sqft Living Area
Gross Area4,974 sqft
1st Floor Area3,330 sqft
Upper Floors Area480 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2013
Architectural StyleContemporary
Exterior MaterialBrick/Stone
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area32,896 sqft (0.755 acres)
Lot Dimensions244 ft deep x 142 ft wide
Garage TypeAttached
Garage Area759 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

Pool Area335 sqft
PorchOpen Porch
Porch Area405 sqft
Deck AreaDeck Area
Patio Area753 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number0129317214
Street Address5414 GARDEN ARBOR DR
CityLUTZ
StateFL
Zip33558-9098
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePD
Legal DescriptionVILLAROSA O LOT 42 BLOCK 2
Legal Range18E
Legal Township27S
Legal Section05
Legal SubdivisionVILLAROSA O
Legal Tract5G9
Legal Block2
Legal Lot Number42
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address5414 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 SaleAug 6, 2014 · Amount on Record
Deed SaleAug 6, 2014 · Amount on Record
Prior SaleMay 21, 2001 · Amount on Record
Deed Document Number2014259698
Deed Book / Page22726 / 846
Record UpdatedOct 29, 2026

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHILLSBOROUGH FL
Property Address5414 GARDEN ARBOR DR, LUTZ, FL 33558-9098
Document Number0000363743
Instrument DateJun 24, 2020
Transaction TypeMortgage
Record UpdatedOct 1, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address5414 GARDEN ARBOR DR LUTZ FL 335589098, LUTZ, FL 33558-9098

Mortgage

Document Number0000363743
DateSep 4, 2020
Instrument363743
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueSep 3, 2035

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$587,258 (+2.7%)$875,996 (+0.44%) Land $356,571 Building $519,425
2025$10,271.00 (+11.99%) Homeowner's exemption$571,819 (+5.99%)$872,142 (+4.55%) Land $338,742 Building $533,400
2023$9,171.00 (+3.45%) Homeowner's exemption$539,518 (+3%)$834,153 (+17.56%) Land $320,914 Building $513,239
2022$8,865.00 Homeowner's exemption$523,804$709,567 Land $213,942 Building $495,625

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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