5517 Garden Arbor Dr, Lutz, FL 33558 Property Records

Hillsborough County property record for 5517 Garden Arbor Dr, Lutz, FL 33558

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,519 sqft · built 2002
Lot Size	0.285 acres (12,410 sqft)
Owner	2 Individual Names on Record
Last Sale	$252,000 (Nov 2017)
Tax Bill	$7,747 (2025)
Deeds & Mortgages	Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012931-7246`

Property Details

APN / Parcel Number

Primary APN	`012931-7246`
Alternative APN	`U0527185G9000003000050`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,519 sqft Living Area
Gross Area	4,533 sqft
1st Floor Area	1,416 sqft
2nd Floor Area	2,090 sqft
Upper Floors Area	13 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2014
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	628 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Open Porch
Porch Area	386 sqft
Deck Area	Deck Area
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0129317246
Street Address	5517 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 5 BLOCK 3
Legal Range	18E
Legal Township	27S
Legal Section	05
Legal Subdivision	VILLAROSA O
Legal Tract	5G9
Legal Block	3
Legal Lot Number	5
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	5517 GARDEN ARBOR DR, LUTZ, FL 33558-9241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2017 · Amount on Record
Deed Sale	Nov 21, 2017 · Amount on Record
Prior Sale	Nov 8, 2017 · Amount on Record
Deed Document Number	2017451079
Deed Book / Page	25377 / 1837
Record Updated	Oct 29, 2026

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HILLSBOROUGH FL
Recording Date	Nov 8, 2017
Property Address	5517 GARDEN ARBOR DR, LUTZ, FL 33558-9241
Document Number	0253500002
Book / Page	025350 / 000002
Instrument Date	Nov 2, 2017
Instrument	434382
Transaction Type	Transfer
Record Updated	Nov 21, 2017
Title Company	INSURED TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5517 GARDEN ARBOR DR LUTZ FL 335589241, LUTZ, FL 33558-9241

Mortgage

Document Number	253500004
Date	Nov 8, 2017
Book Page	025350/000004
Instrument	434383

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 7, 2047

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		$445,279 (+2.7%)	$618,431 (+0.12%) Land $150,565 Building $467,866
2025	$7,747.00 (+12.23%) Homeowner's exemption	$433,573 (+5.99%)	$617,678 (+3.38%) Land $143,037 Building $474,641
2023	$6,903.00 (+3.84%) Homeowner's exemption	$409,082 (+3%)	$597,491 (+11.5%) Land $135,508 Building $461,983
2022	$6,648.00 Homeowner's exemption	$397,167	$535,869 Land $90,339 Building $445,530

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 500 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 61% of the US · lower than 65% 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.

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