5520 Luminar Pointe Ln, Apollo Beach, FL 33572 Property Records

Hillsborough County property record for 5520 Luminar Pointe Ln, Apollo Beach, FL 33572

Property Summary

Property Type	Townhouse
Details	3 bd · 2 ba · 1,946 sqft · built 2007
Owner	Individual Name on File
Last Sale	$160,000 (Mar 2011)
Tax Bill	$5,040 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`0541912098`

Property Details

APN / Parcel Number

Primary APN	`0541912098`
Alternative APN	`U293119926000201000010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,946 sqft Heated Area
1st Floor Area	1,946 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	182 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0541912098
Street Address	5520 LUMINAR POINTE LN
City	APOLLO BEACH
State	FL
Zip	33572-3390
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PD
Legal Description	TOWNHOMES AT COMPASS POINTE LOT 1 BLOCK 201
Legal Range	19E
Legal Township	31S
Legal Section	29
Legal Subdivision	TOWNHOMES AT COMPASS POINTE
Legal Tract	926
Legal Block	201
Legal Lot Number	1
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	RUSKIN
Census Block Group	2
Census Block	2005
Census Tract	14121

Owner

Source: Hillsborough County records · APN 0541912098

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 Record	Individual Name on File
Mailing Address	5520 LUMINAR POINTE LN, APOLLO BEACH, FL 33572-3390
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 11, 2011 · Amount on Record
Deed Sale	Mar 11, 2011 · Amount on Record
Deed Document Number	2011084365
Deed Book / Page	20403 / 1832
Record Updated	Jun 08, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	5520 LUMINAR POINTE LN, APOLLO BEACH, FL 33572-3390
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0254060120
Date	Dec 06, 2017
Book Page	25406/0120
Instrument	2017467345

Lender

Name	CAPITAL ONE NA
Type	Bank
Address	PLANO, TX 75024

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 09, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Hillsborough County
Unified School District	Hillsborough 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,040.00 (+10.77%) Homeowner's exemption	$176,529 (+5.99%)	$317,169 (+1.8%) Land $31,717 Building $285,452
2023	$4,550.00 (+5.84%) Homeowner's exemption	$166,557 (+3%)	$311,558 (+9.57%) Land $31,156 Building $280,402
2022	$4,299.00 Homeowner's exemption	$161,706	$284,339 Land $28,434 Building $255,905

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hillsborough County (12057C), as of September 28, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120570141212, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 872 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,051 units insured incl. 179 condo units
Nearby Flood Claims	223 (1993–2025)
Claims Outside the SFHA	1 of 223
Most Recent Claim	Nov 2025 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 5 claims Hurricane Helene, Sep 2024 · 207 claims Hurricane Idalia, Aug 2023 · 5 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 309 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL6290787, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	HCWRD/SOUTH-CENTRAL serves 515,012 people
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 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	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.