5502 Garden Arbor Dr, Lutz, FL 33558 Property Records

Hillsborough County property record for 5502 Garden Arbor Dr, Lutz, FL 33558

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,219 sqft · built 2001
Lot Size	1.05 acres (45,958 sqft)
Owner	2 Individual Names on Record
Last Sale	$635,000 (Apr 2020)
Tax Bill	$11,048 (2025)
Deeds & Mortgages	Nov 2020 Line of Credit Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012931-7202`

Property Details

APN / Parcel Number

Primary APN	`012931-7202`
Alternative APN	`U0527185G9000001000150`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,219 sqft Living Area
Gross Area	5,609 sqft
1st Floor Area	3,453 sqft
Upper Floors Area	766 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2013
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	45,958 sqft
Lot Dimensions	276 ft deep x 165 ft wide
Garage Type	Attached
Garage Area	823 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	28 sqft
Porch	Open Porch
Porch Area	567 sqft
Patio Area	811 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0129317202
Street Address	5502 GARDEN ARBOR DR
City	LUTZ
State	FL
Zip	33558-9240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	VILLAROSA O LOT 15 BLOCK 1
Legal Range	18E
Legal Township	27S
Legal Section	05
Legal Subdivision	VILLAROSA O
Legal Tract	5G9
Legal Block	1
Legal Lot Number	15
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	5502 GARDEN ARBOR DR, LUTZ, FL 33558-9240
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2020	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Apr 23, 2020	Warranty Deed, Transfer · Conventional Mortgage TOWER FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2020 · Amount on Record
Deed Sale	Apr 23, 2020 · Amount on Record
Deed Document Number	2020171633
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	5502 GARDEN ARBOR DR, LUTZ, FL 33558-9240
Document Number	0000546835
Instrument Date	Nov 24, 2020
Transaction Type	Mortgage
Record Updated	Jan 14, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5502 GARDEN ARBOR DR LUTZ FL 335589240, LUTZ, FL 33558-9240

Mortgage

Document Number	0000546835
Date	Dec 22, 2020
Instrument	546835

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 21, 2050

Interest

Rate Type	Adjustable Rate

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Apr 23, 2020
Property Address	5502 GARDEN ARBOR DR, LUTZ, FL 33558-9240
Document Number	0000171633
Map Reference	MB 86 PG 12
Instrument Date	Apr 21, 2020
Instrument	2020171633
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	AMERICAN HOME TITLE OF LAND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,445.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4260 BALCONY BREEZE DR, 4260, LAND O LAKES, FL 34638-2682

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5502 GARDEN ARBOR DR, LUTZ, FL 33558-9240

Mortgage

Document Number	0000171634
Date	Apr 23, 2020
Instrument	2020171634

Lender

Name	TOWER FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

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		$630,987 (+2.7%)	$1,019,231 (+0.79%) Land $456,187 Building $563,044
2025	$11,048.00 (+11.94%) Homeowner's exemption	$614,398 (+5.99%)	$1,011,247 (+4.57%) Land $433,378 Building $577,869
2023	$9,870.00 (+3.37%) Homeowner's exemption	$579,692 (+3%)	$967,071 (+18.79%) Land $410,568 Building $556,503
2022	$9,548.00 Homeowner's exemption	$562,808	$814,125 Land $273,712 Building $540,413

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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