Hillsborough County property record for 5534 Garden Arbor Dr, Lutz, FL 33558
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,605 sqft · built 2000 |
| Lot Size | 0.395 acres (17,198 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $455,000 (Aug 2017) |
| Tax Bill | $7,805 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Nov 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 012931-7276 |
| Primary APN | 012931-7276 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,605 sqft Living Area |
| Gross Area | 4,471 sqft |
| 1st Floor Area | 3,163 sqft |
| Upper Floors Area | 442 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 | 17,198 sqft (0.395 acres) |
| Lot Dimensions | 153 ft deep x 91.2 ft wide |
| Garage Type | Attached |
| Garage Area | 599 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Pool Area | 364 sqft |
| Porch | Open Porch |
| Porch Area | 267 sqft |
| Deck Area | Deck Area |
| Patio Area | 1,412 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0129317276 |
|---|---|
| Street Address | 5534 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 11 BLOCK 4 |
| Legal Range | 18E |
| Legal Township | 27S |
| Legal Section | 05 |
| Legal Subdivision | VILLAROSA O |
| Legal Tract | 5G9 |
| Legal Block | 4 |
| Legal Lot Number | 11 |
| 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 | 5534 GARDEN ARBOR DR, LUTZ, FL 33558-9240 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 2, 2019 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Aug 23, 2017 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2017 · Amount on Record |
| Deed Sale | Aug 23, 2017 · Amount on Record |
| Deed Document Number | 2017333300 |
| Deed Book / Page | 25183 / 1061 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 5534 GARDEN ARBOR DR, LUTZ, FL 33558-9240 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000627881 |
|---|---|
| Date | Dec 7, 2021 |
| Instrument | 2021627881 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 5534 GARDEN ARBOR DR, LUTZ, FL 33558-9240 |
| Document Number | 0271221609 |
| Instrument Date | Nov 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5534 GARDEN ARBOR DR LUTZ FL 335589240, LUTZ, FL 33558-9240 |
| Document Number | 0271221609 |
|---|---|
| Date | Nov 19, 2019 |
| Book Page | 027122/001609 |
| Instrument | 499320 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 18, 2034 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Aug 23, 2017 |
| Property Address | 5534 GARDEN ARBOR DR, LUTZ, FL 33558-9240 |
| Document Number | 0251831061 |
| Book / Page | 025183 / 001061 |
| Instrument Date | Aug 15, 2017 |
| Instrument | 333300 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2017 |
| Title Company | WESTCHASE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,185.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5534 GARDEN ARBOR DR LUTZ FL 335589240, LUTZ, FL 33558-9240 |
| Document Number | 251831062 |
|---|---|
| Date | Aug 23, 2017 |
| Book Page | 025183/001062 |
| Instrument | 333301 |
| Name | FIFTH THIRD MTG |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 22, 2047 |
| Document Number | 251831082, |
|---|---|
| Date | Aug 23, 2017 |
| Book Page | 025183/001082 |
| Instrument | 333302 |
| Name | FIFTH THIRD BK/TAMPA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 22, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | $448,523 (+2.7%) | $619,018 (-0.97%) Land $156,508 Building $462,510 | |
| 2025 | $7,805.00 (+12.22%) Homeowner's exemption | $436,731 (+5.99%) | $625,096 (+3.33%) Land $148,682 Building $476,414 |
| 2023 | $6,955.00 (+3.82%) Homeowner's exemption | $412,061 (+3%) | $604,966 (+12.3%) Land $140,857 Building $464,109 |
| 2022 | $6,699.00 Homeowner's exemption | $400,059 | $538,688 Land $93,905 Building $444,783 |
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 | 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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