5511 Garden Arbor Dr, Lutz, FL 33558 Property Records

Hillsborough County property record for 5511 Garden Arbor Dr, Lutz, FL 33558

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,040 sqft · built 2000
Lot Size	0.285 acres (12,410 sqft)
Owner	2 Individual Names on Record
Last Sale	$512,000 (Nov 2020)
Tax Bill	$4,593 (2025)
Deeds & Mortgages	Mar 2022 Sale & Line of Credit Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012931-7242`

Property Details

APN / Parcel Number

Primary APN	`012931-7242`
Alternative APN	`U0527185G9000003000030`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,040 sqft Living Area
Gross Area	4,079 sqft
1st Floor Area	3,040 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

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	12,410 sqft (0.285 acres)
Lot Dimensions	125 ft deep x 101 ft wide
Garage Type	Attached
Garage Area	599 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	390 sqft
Porch	Open Porch
Porch Area	440 sqft
Deck Area	Deck Area
Patio Area	518 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0129317242
Street Address	5511 GARDEN ARBOR DR
City	LUTZ
State	FL
Zip	33558-9241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	VILLAROSA O LOT 3 BLOCK 3
Legal Range	18E
Legal Township	27S
Legal Section	05
Legal Subdivision	VILLAROSA O
Legal Tract	5G9
Legal Block	3
Legal Lot Number	3
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	5511 GARDEN ARBOR DR, LUTZ, FL 33558-9241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2022	Re-recorded Document · Line of Credit THIRD FSLA OF CLEVELAND
Nov 25, 2020	Warranty Deed, Transfer · VA Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2020 · Amount on Record
Deed Sale	Nov 25, 2020 · Amount on Record
Prior Sale	May 25, 2007 · Amount on Record
Deed Document Number	2020494469
Record Updated	Oct 29, 2026

March 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	HILLSBOROUGH FL
Recording Date	Mar 9, 2022
Property Address	5511 GARDEN ARBOR DR, LUTZ, FL 33558-9241
Document Number	0000126333
Map Reference	MB 40 PG 29
Instrument Date	Jan 31, 2022
Instrument	2022126333
Record Updated	Mar 31, 2022
Title Company	AMERICAN HOME TITLE/LAND O, AMERICAN HOME TTL OF LAND O

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16748 WHIRLEY RD, 16748, LUTZ, FL 33558-4860

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6806 E NORTH BAY ST, TAMPA, FL 33610-7218

Mortgage

Document Number	0000126057
Date	Mar 9, 2022
Instrument	2022126057

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Nov 25, 2020
Property Address	5511 GARDEN ARBOR DR, LUTZ, FL 33558-9241
Document Number	0000494469
Map Reference	MB 86 PG 12
Instrument Date	Nov 5, 2020
Instrument	2020494469
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	BRIGHT LINE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,584.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5511 GARDEN ARBOR DR, 5511, LUTZ, FL 33558-9241

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5511 GARDEN ARBOR DR, LUTZ, FL 33558-9241

Mortgage

Document Number	0000494470
Date	Nov 25, 2020
Instrument	2020494470

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 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		$265,203 (+2.7%)	$585,215 (-0.63%) Land $150,565 Building $434,650
2025	$4,593.00 (+12.79%) Homeowner's exemption	$258,231 (+5.99%)	$588,906 (+3.25%) Land $143,037 Building $445,869
2023	$4,072.00 (+4.95%) Homeowner's exemption	$243,644 (+3%)	$570,369 (+12.16%) Land $135,508 Building $434,861
2022	$3,880.00 Homeowner's exemption	$236,548	$508,552 Land $90,339 Building $418,213

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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