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5428 Clouds Peak Dr, Lutz, FL 33558 Property Records

Hillsborough County property record for 5428 Clouds Peak Dr, Lutz, FL 33558 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,275 sqft · built 2007
Lot Size0.306 acres (13,330 sqft)
OwnerIndividual Name on File
Last Sale$445,000 (Jan 2019)
Tax Bill$7,878 (2025)
Deeds & MortgagesDec 2020 Mortgage
Dec 2019 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN0161238222

Property Details

APN / Parcel Number

Primary APN0161238222
Alternative APN
  • U30271871R000004000010

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area3,275 sqft Heated Area
1st Floor Area3,275 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2015
Architectural StyleContemporary
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area13,330 sqft (0.306 acres)
Lot Dimensions151 ft deep x 88.3 ft wide
Garage Area580 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area264 sqft
Patio Area474 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number0161238222
Street Address5428 CLOUDS PEAK DR
CityLUTZ
StateFL
Zip33558-4965
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionORANGE BLOSSOM CREEK PHASE 1 LOT 1 BLOCK 4
Legal Range18E
Legal Township27S
Legal Section30
Legal SubdivisionORANGE BLOSSOM CREEK PHASE 1
Legal Phase1
Legal Block4
Legal Lot Number1
JurisdictionHILLSBOROUGH FL
Township / Civil DivisionKEYSTONE-CITRUS PARK
Census Block Group2
Census Block2007
Census Tract11512

Owner

Source: Hillsborough County records · APN 0161238222

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Mailing Address5428 CLOUDS PEAK DR, LUTZ, FL 33558-4965
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 17, 2020Deed of Trust, Mortgage · VA Mortgage
PENNYMAC
Dec 14, 2019Deed of Trust, Mortgage · VA Mortgage
PENNYMAC
Jan 28, 2019Warranty Deed, Transfer · VA Mortgage
NATIONS DIRECT MORTGAGE LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 28, 2019 · Amount on Record
Deed SaleJan 28, 2019 · Amount on Record
Prior SaleJan 11, 2008 · Amount on Record
Deed Document Number2019041799
Deed Book / Page26361 / 0698
Record UpdatedJun 08, 2026

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHILLSBOROUGH FL
Property Address5428 CLOUDS PEAK DR, LUTZ, FL 33558-4965
Document Number0000557314
Instrument DateDec 17, 2020
Transaction TypeMortgage
Record UpdatedJan 20, 2021
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address5428 CLOUDS PEAK DR LUTZ FL 335584965, LUTZ, FL 33558-4965

Mortgage

Document Number0000557314
DateDec 30, 2020
Instrument557314
Lender
NamePENNYMAC
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 29, 2050

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHILLSBOROUGH FL
Property Address5428 CLOUDS PEAK DR, LUTZ, FL 33558-4965
Document Number0272141721
Instrument DateDec 14, 2019
Transaction TypeMortgage
Record UpdatedJan 14, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address5428 CLOUDS PEAK DR LUTZ FL 335584965, LUTZ, FL 33558-4965

Mortgage

Document Number0272141721
DateDec 27, 2019
Book Page027214/001721
Instrument550420
Lender
NamePENNYMAC
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 26, 2049

January 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHILLSBOROUGH FL
Recording DateJan 28, 2019
Property Address5428 CLOUDS PEAK DR, LUTZ, FL 33558-4965
Document Number0000041799
Book / Page26361 / 0698
Map ReferenceMB 98 PG 1-17
Instrument DateJan 18, 2019
Instrument2019041799
Transaction TypeTransfer
Record UpdatedJan 03, 2022
Title CompanyFIRST TITLE SOURCE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,115.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5428 CLOUDS PEAK DR, 5428, LUTZ, FL 33558-4965

Transferred To (Grantee/Buyer)

NameVerified Name
Address12326 TARPON SPRINGS RD, ODESSA, FL 33556-5654

Mortgage

Document Number0000041800
DateJan 28, 2019
Instrument2019041800
Lender
NameNATIONS DIRECT MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2049

Tax Assessment & Valuation

Source: Hillsborough County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$7,878.00 (+7.53%) Homeowner's exemption$438,207 (+5.99%)$629,822 (+5.65%) Land $133,303 Building $496,519
2023$7,326.00 (+3.66%) Homeowner's exemption$413,453 (+3%)$596,163 (+6.24%) Land $119,973 Building $476,190
2022$7,067.00 Homeowner's exemption$401,411$561,172 Land $106,642 Building $454,530

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hillsborough County (12057C), updated September 28, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120570115122, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 90 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies90 in force
81 of 90 on primary residences
Nearby Flood Claims18 (1993–2024)
Claims Outside the SFHA6 of 18
Most Recent ClaimOct 2024, Hurricane Milton
Flood Events
  • Hurricane Milton (Oct 2024), 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

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