5603 Turtle Ridge Dr, Lutz, FL 33558 Property Records

Hillsborough County property record for 5603 Turtle Ridge Dr, Lutz, FL 33558

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,572 sqft · built 2006
Lot Size	0.503 acres (21,906 sqft)
Owner	2 Individual Names on Record
Last Sale	$298,400 (Dec 2009)
Tax Bill	$4,146 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`016123-8288`

Property Details

APN / Parcel Number

Primary APN	`016123-8288`
Alternative APN	`U30271871R000006000130`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,572 sqft Living Area
Gross Area	4,679 sqft
1st Floor Area	3,002 sqft
Upper Floors Area	570 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2016
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	21,906 sqft (0.503 acres)
Lot Dimensions	166 ft deep x 127 ft wide
Garage Type	Attached
Garage Area	824 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	283 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0161238288
Street Address	5603 TURTLE RIDGE DR
City	LUTZ
State	FL
Zip	33558-4931
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	ORANGE BLOSSOM CREEK PHASE 1 LOT 13 BLOCK 6
Legal Range	18E
Legal Township	27S
Legal Section	30
Legal Subdivision	ORANGE BLOSSOM CREEK PHASE 1
Legal Phase	1
Legal Tract	71R
Legal Block	6
Legal Lot Number	13
Jurisdiction	HILLSBOROUGH FL
Township / Civil Division	KEYSTONE-CITRUS PARK
Census Block Group	2
Census Block	2007
Census Tract	11512

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	5603 TURTLE RIDGE DR, LUTZ, FL 33558-4931
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2009 · Amount on Record
Deed Sale	Dec 28, 2009 · Amount on Record
Prior Sale	Mar 8, 2006 · Amount on Record
Deed Document Number	2009427818
Deed Book / Page	19636 / 444
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSBOROUGH FL
Property Address	5603 TURTLE RIDGE DR, LUTZ, FL 33558-4931
Document Number	0000264233
Instrument Date	Jun 16, 2020
Transaction Type	Mortgage
Record Updated	Jul 24, 2020
Title Company	WESTCHASE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5603 TURTLE RIDGE DR LUTZ FL 335584931, LUTZ, FL 33558-4931

Mortgage

Document Number	0000264233
Date	Jun 26, 2020
Instrument	264233

Lender

Name	CMG FIN'L
Type	Funding / Finance Company
Address	SAN RAMON, CA 94583

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2050

Interest

Rate Type	Adjustable Rate

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		$242,634 (+2.7%)	$729,341 (-1.12%) Land $203,837 Building $525,504
2025	$4,146.00 (+4.51%) Homeowner's exemption	$236,255 (+5.99%)	$737,574 (+6.91%) Land $203,837 Building $533,737
2023	$3,967.00 (+4.81%) Homeowner's exemption	$222,910 (+3%)	$689,886 (+5.86%) Land $183,454 Building $506,432
2022	$3,785.00 Homeowner's exemption	$216,417	$651,672 Land $163,070 Building $488,602

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 90 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	90 in force
Nearby Flood Claims	18 (1993–2024)
Claims Outside the SFHA	6 of 18
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	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20