Hillsborough County property record for 5506 Garden Arbor Dr, Lutz, FL 33558
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,976 sqft · built 2000 |
| Lot Size | 0.471 acres (20,515 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $430,000 (Apr 2015) |
| Tax Bill | $7,701 (2025) |
| Deeds & Mortgages | Mar 2023 Second Mortgage Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 012931-7206 |
| Primary APN | 012931-7206 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,976 sqft Living Area |
| Gross Area | 4,334 sqft |
| 1st Floor Area | 2,976 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 20,515 sqft (0.471 acres) |
| Lot Dimensions | 204 ft deep x 94 ft wide |
| Garage Type | Attached |
| Garage Area | 628 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 377 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 730 sqft |
| Deck Area | Deck Area |
| Patio Area | 719 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0129317206 |
|---|---|
| Street Address | 5506 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 17 BLOCK 1 |
| Legal Range | 18E |
| Legal Township | 27S |
| Legal Section | 05 |
| Legal Subdivision | VILLAROSA O |
| Legal Tract | 5G9 |
| Legal Block | 1 |
| Legal Lot Number | 17 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | KEYSTONE-CITRUS PARK |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 11509 |
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 | 5506 GARDEN ARBOR DR, LUTZ, FL 33558-9240 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 21, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FLORIDA CENTRAL CU |
| Dec 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2015 · Amount on Record |
| Deed Sale | Apr 29, 2015 · Amount on Record |
| Prior Sale | Jan 3, 2007 · Amount on Record |
| Deed Document Number | 2015164491 |
| Deed Book / Page | 23244 / 928 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 5506 GARDEN ARBOR DR, LUTZ, FL 33558-9240 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5506 GARDEN ARBOR DR, LUTZ, FL 33558-9240 |
| Document Number | 0000117353 |
|---|---|
| Date | Mar 21, 2023 |
| Instrument | 2023117353 |
| Name | FLORIDA CENTRAL CU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33679 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 5506 GARDEN ARBOR DR, LUTZ, FL 33558-9240 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2021 |
| Name | Verified Name |
|---|---|
| Address | 5506 GARDEN ARBOR DR, LUTZ, FL 33558-9240 |
| Document Number | 0000612642 |
|---|---|
| Date | Dec 1, 2021 |
| Instrument | 2021612642 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
Source: Hillsborough County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Hillsborough County |
| Unified School District | Hillsborough County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $440,063 (+2.7%) | $648,027 (-0.16%) Land $208,716 Building $439,311 | |
| 2025 | $7,701.00 (+12.18%) Homeowner's exemption | $428,494 (+5.99%) | $649,072 (+3.58%) Land $198,280 Building $450,792 |
| 2023 | $6,865.00 (+3.86%) Homeowner's exemption | $404,289 (+3%) | $626,664 (+15.27%) Land $187,844 Building $438,820 |
| 2022 | $6,610.00 Homeowner's exemption | $392,514 | $543,651 Land $125,229 Building $418,422 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 70% of the US · above 51% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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