Hillsborough County property record for 5525 Garden Arbor Dr, Lutz, FL 33558
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,171 sqft · built 2001 |
| Lot Size | 0.498 acres (21,686 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $643 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 012931-7254 |
| Primary APN | 012931-7254 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 3,171 sqft Living Area |
| Gross Area | 4,347 sqft |
| 1st Floor Area | 3,171 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 21,686 sqft (0.498 acres) |
| Lot Dimensions | 100 ft deep x 164 ft wide |
| Garage Type | Attached |
| Garage Area | 818 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 450 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 358 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0129317254 |
|---|---|
| Street Address | 5525 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 9 BLOCK 3 |
| Legal Range | 18E |
| Legal Township | 27S |
| Legal Section | 05 |
| Legal Subdivision | VILLAROSA O |
| Legal Tract | 5G9 |
| Legal Block | 3 |
| Legal Lot Number | 9 |
| 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 29, 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 | 5525 GARDEN ARBOR DR, LUTZ, FL 33558-9241 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 14, 2026 | Deed of Trust, Mortgage · Line of Credit KINGS FUNDING LLC |
| Oct 17, 2025 | Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 2024 |
| Deed Sale | Jun 25, 2024 |
| Prior Sale | Oct 21, 2013 · Amount on Record |
| Deed Document Number | 2024265340 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Sep 14, 2026 |
| Property Address | 5525 GARDEN ARBOR DR, LUTZ, FL 33558-9241 |
| Document Number | 0000357722 |
| Instrument Date | Sep 2, 2026 |
| Instrument | 2026357722 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 5525 GARDEN ARBOR DR, LUTZ, FL 33558-9241 |
| Document Number | 0000357722, |
|---|---|
| Date | Sep 14, 2026 |
| Instrument | 2026357722 |
| Name | KINGS FUNDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 29, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 5525 GARDEN ARBOR DR, LUTZ, FL 33558-9241 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2025 |
| Title Company | SOURCEPOINT TITLE SVCS, SOURCEPOINT INC |
| Name | Verified Name |
|---|---|
| Address | 5525 GARDEN ARBOR DR, LUTZ, FL 33558-9241 |
| Document Number | 0000448058 |
|---|---|
| Date | Oct 17, 2025 |
| Instrument | 2025448058 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
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 | $450,918 (+2.7%) | $675,758 (-0.97%) Land $164,610 Building $511,148 | |
| 2025 | $643.00 (-90.75%) Disabled Person's exemption Veteran's exemption | $439,063 (+7.23%) | $682,410 (+10.66%) Land $156,380 Building $526,030 |
| 2023 | $6,955.00 (+3.84%) Homeowner's exemption | $409,444 (+3%) | $616,693 (+11.24%) Land $148,149 Building $468,544 |
| 2022 | $6,698.00 Homeowner's exemption | $397,518 | $554,373 Land $98,766 Building $455,607 |
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.
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 |
|
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 | 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.
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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