Home Florida Lutz Cognac Cir
6113 Cognac Cir, Lutz, FL 33558 Property Records
Hillsborough County property record for 6113 Cognac Cir, Lutz, FL 33558
Property Summary
Property Type Single Family Home Details 5 bd · 4 ba · 3,136 sqft · built 1998 Lot Size 0.378 acres (16,483 sqft) Owner 2 Individual Names on File Last Sale $985,000 (Jun 2026) Tax Bill $13,992 (2025) Deeds & Mortgages Jun 2026 Sale & Mortgage Sep 2025 Mortgage + 6 more Flood Zone Zone X (minimal risk)APN 012945-4162
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Property Details APN / Parcel Number
Primary APN 012945-4162 Alternative APN
Interior
Bedrooms 5 Beds Full Baths 4 Baths Stories 2 Stories Building Area 3,136 sqft Living Area Gross Area 4,021 sqft 1st Floor Area 2,784 sqft Upper Floors Area 352 sqft Flooring Carpet Interior Walls Wallboard/Drywall Fireplaces 1 Fireplace Fireplace Fireplace
Exterior
Year Built Built 1998 Effective Year Built Effective 2012 Architectural Style Contemporary Exterior Material Brick/Stone Construction Type Frame Roof Type Gable/Hip Roof Material Asphalt Lot Area 16,483 sqft (0.378 acres) Lot Dimensions 154 ft deep x 89 ft wide View / Lot Pond Garage Type Attached Garage Area 600 sqft Parking Spaces 2 Parking Spaces
Exterior Amenities
Pool Type Spa / Hot Tub (No Pool) Pool Area 312 sqft Porch Open Porch Porch Area 285 sqft Patio Area 541 sqft
Utilities, Heating & Cooling Cooling System Central Heating System Central
Location & Zoning Account Number 0129454162 Street Address 6113 COGNAC CIR City LUTZ State FL Zip 33558-2854 Property Category Residential Property Type Residential > Single Family > Home Local Zoning Code PD Legal Description CHEVAL WEST VILLAGE 4 PHASE 2 LOT 68 BLOCK 2 Legal Range 18E Legal Township 27S Legal Section 07 Legal Subdivision CHEVAL WEST VILLAGE 4 PHASE 2 Legal Phase 2 Legal Tract HW Legal Block 2 Legal Lot Number 68 Jurisdiction HILLSBOROUGH FL Township / Civil Division KEYSTONE-CITRUS PARK Census Block Group 1 Census Block 1001 Census Tract 11509
Owner
6113 Cognac Cir is owned and occupied by two individuals who bought it in June 2026.
Source: Hillsborough County records, as of September 30, 2026
Owner of Record 2 Individual Names on File Mailing Address 6113 COGNAC CIR, LUTZ, FL 33558-2854 Occupancy Owner Occupied Owner Type Individual Vesting Husband and Wife
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial .
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Deeds, Mortgages & Sale History
Date Document Jun 25, 2026 Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC Sep 24, 2025 Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC Sep 12, 2025 Intrafamily Transfer, Transfer Mar 6, 2023 Correction Deed ATTORNEY ONLY, ATTORNEY Mar 16, 2023 Intrafamily Transfer, Transfer Oct 6, 2021 Intrafamily Transfer, Transfer ACCOMMODATION Mar 16, 2021 Warranty Deed, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP Mar 16, 2021 Warranty Deed, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP
Assessor's Deed Record
Deed Names 2 Names on Deed Last Sale Jun 25, 2026 · Amount on File Deed Sale Jun 25, 2026 · Amount on File Prior Sale Mar 16, 2021 · Amount on File Deed Document Number 2026244529 Prior Transfer Date Sep 10, 2025 Prior Transfer Doc 0000397966 Record Updated Oct 29, 2026
June 2026: Warranty Deed, Transfer Document Type Warranty Deed Jurisdiction HILLSBOROUGH FL Recording Date Jun 25, 2026 Property Address 6113 COGNAC CIR, LUTZ, FL 33558-2854 Document Number 0000244529 Instrument Date Jun 15, 2026 Instrument 2026244529 Transaction Type Transfer Record Updated Jul 14, 2026 Title Company COMPASS LAND AND TITLE, COMPASS LAND & TITLE
Transaction
Amount Amount on Record Downpayment Downpayment on Record Loan-to-Value (LTV) LTV on Record Tax $696,395.00 Amount Accuracy Calculated from Transfer Tax Additional
Transferred From (Grantor/Seller)
Transferred To (Grantee/Buyer)
Name Verified Name Address 6113 COGNAC CIR, LUTZ, FL 33558-2854
Mortgage
Document Number 0000244532, Date Jun 25, 2026 Instrument 2026244532
Lender
Name EVERETT FINANCIAL INC
Agreement
Type Conventional Mortgage Amount Amount on Record Term 360 Months Due Jul 1, 2056
Interest
Rate Type Fixed Rate Rate 6.36% Initial Type Fixed Rate Max Rate -1%
September 2025: Deed of Trust, Mortgage Document Type Deed of Trust Jurisdiction HILLSBOROUGH FL Property Address 6113 COGNAC CIR, LUTZ, FL 33558-2854 Transaction Type Mortgage Record Updated Oct 20, 2025 Title Company FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN
Transferred To (Grantee/Buyer)
Name Verified Name Address 2131 N MERIDIAN RD 138, 138, TALLAHASSEE, FL 32303-5053
Mortgage
Document Number 0000411337 Date Sep 24, 2025 Instrument 2025411337
Lender
Name CROSSCOUNTRY MORTGAGE LLC Type Mortgage Company Address CLEVELAND, OH 44114
Agreement
Type Conventional Mortgage Amount Amount on Record Term 352 Months Due Jan 1, 2055
September 2025: Intrafamily Transfer, Transfer Document Type Intrafamily Transfer Jurisdiction HILLSBOROUGH FL Recording Date Sep 12, 2025 Property Address 6113 COGNAC CIR, LUTZ, FL 33558-2854 Document Number 0000397966 Map Reference MB 80 PG 19 Instrument Date Sep 10, 2025 Instrument 2025397966 Transaction Type Transfer Record Updated Oct 6, 2025
Transaction
Tax $0.00 Amount Accuracy No Consideration Stated Additional
Transferred From (Grantor/Seller)
Name Verified Name Address 6113 COGNAC CIR, LUTZ, FL 33558-2854
Transferred To (Grantee/Buyer)
Name Verified Name Address 6113 COGNAC CIR, LUTZ, FL 33558-2854
March 2023: Correction Deed Document Type Correction Deed Jurisdiction HILLSBOROUGH FL Recording Date Mar 6, 2023 Property Address 6113 COGNAC CIR, LUTZ, FL 33558-2854 Document Number 0000090899 Map Reference MB 80 PG 19 Instrument Date Mar 3, 2023 Instrument 2023090899 Record Updated Mar 22, 2023 Title Company ATTORNEY ONLY, ATTORNEY
Transaction
Tax $0.00 Amount Accuracy No Consideration Stated
Transferred From (Grantor/Seller)
Name Verified Name Address 6113 COGNAC CIR, LUTZ, FL 33558-2854
Transferred To (Grantee/Buyer)
Name Verified Name Address 6113 COGNAC CIR, LUTZ, FL 33558-2854
March 2023: Intrafamily Transfer, Transfer Document Type Intrafamily Transfer Jurisdiction HILLSBOROUGH FL Recording Date Mar 16, 2023 Property Address 6113 COGNAC CIR, LUTZ, FL 33558-2854 Document Number 0000109479 Map Reference MB 80 PG 19 Instrument Date Mar 3, 2023 Instrument 2023109479 Transaction Type Transfer Record Updated Apr 4, 2023
Transaction
Tax $0.00 Amount Accuracy No Consideration Stated Additional
Transferred From (Grantor/Seller)
Name Verified Name Address 6113 COGNAC CIR, LUTZ, FL 33558-2854
Transferred To (Grantee/Buyer)
Name Verified Name Address 6113 COGNAC CIR, LUTZ, FL 33558-2854
October 2021: Intrafamily Transfer, Transfer Document Type Intrafamily Transfer Jurisdiction HILLSBOROUGH FL Recording Date Oct 6, 2021 Property Address 6113 COGNAC CIR, LUTZ, FL 33558-2854 Document Number 2021505558 Map Reference MB 80 PG 19 Instrument Date Oct 1, 2021 Instrument 2021505558 Transaction Type Transfer Record Updated Jun 7, 2023 Title Company ACCOMMODATION
Transaction
Tax $0.00 Amount Accuracy No Consideration Stated Additional
Transferred From (Grantor/Seller)
Transferred To (Grantee/Buyer)
Name Verified Name Relationship Family Revocable Trust Address 6113 COGNAC CIR, LUTZ, FL 33558-2854
March 2021: Warranty Deed, Transfer Document Type Warranty Deed Jurisdiction HILLSBOROUGH FL Recording Date Mar 16, 2021 Property Address 6113 COGNAC CIR, LUTZ, FL 33558-2854 Document Number 2021130487 Map Reference MB 80 PG 19 Instrument Date Mar 8, 2021 Instrument 2021130487 Transaction Type Transfer Record Updated Mar 31, 2021 Title Company COMPASS LAND & TITLE LLC
Transaction
Amount Amount on Record Downpayment Downpayment on Record Loan-to-Value (LTV) LTV on Record Tax $4,095.70 Amount Accuracy Full Amount Stated Additional
Transferred From (Grantor/Seller)
Name Verified Name Address 10 CLAYBROOK RD, 10, DOVER, MA 02030-2110
Transferred To (Grantee/Buyer)
Name Verified Name Address 6113 COGNAC CIR, LUTZ, FL 33558-2854
Mortgage
Document Number 2021130488 Date Mar 16, 2021 Instrument 2021130488
Lender
Name AMERISAVE MORTGAGE CORP Type Mortgage Company
Agreement
Type Conventional Mortgage Amount Amount on Record Term 361 Months Due Apr 1, 2051
March 2021: Warranty Deed, Transfer Document Type Warranty Deed Jurisdiction HILLSBOROUGH FL Recording Date Mar 16, 2021 Property Address 6113 COGNAC CIR, LUTZ, FL 33558-2854 Document Number 0000130487 Map Reference MB 80 PG 19 Instrument Date Mar 8, 2021 Instrument 2021130487 Transaction Type Transfer Record Updated Jan 3, 2022 Title Company COMPASS LAND AND TITLE, COMPASS LAND & TITLE LLC
Transaction
Amount Amount on Record Downpayment Downpayment on Record Loan-to-Value (LTV) LTV on Record Tax $4,095.70 Amount Accuracy Full Amount Stated Additional
Transferred From (Grantor/Seller)
Name Verified Name Address 10 CLAYBROOK RD, 10, DOVER, MA 02030-2110
Transferred To (Grantee/Buyer)
Name Verified Name Address 6113 COGNAC CIR, LUTZ, FL 33558-2854
Mortgage
Document Number 0000130488 Date Mar 16, 2021 Instrument 2021130488
Lender
Name AMERISAVE MORTGAGE CORP Type Mortgage Company
Agreement
Type Conventional Mortgage Amount Amount on Record Term 361 Months Due Apr 1, 2051
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Tax Assessment & Valuation
The 2025 property tax bill for 6113 Cognac Cir was $13,992, up 7.1% from the year before.
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 $720,733 (+8.81%) Land $186,102 Building $534,631 $720,733 (-4.57%) Land $186,102 Building $534,631 2025 $13,992.00 (+7.1%) Homeowner's exemption Widower's exemption $662,396 (+2.9%) $755,286 (-0.25%) Land $186,102 Building $569,184 2024 $13,065.00 (+3.53%) Homeowner's exemption Widower's exemption $643,728 (+3%) $757,146 (+21.15%) Land $186,102 Building $571,044 2023 $12,619.00 (+1.38%) Homeowner's exemption Widower's exemption $624,979 (+1.15%) Land $139,576 Building $485,403 $624,979 (+1.15%) Land $139,576 Building $485,403 2022 $12,447.00 Homeowner's exemption Widower's exemption $617,888 Land $139,576 Building $478,312 $617,888 Land $139,576 Building $478,312
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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Flood
FEMA maps place 6113 Cognac Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
FEMA Flood Zone Zone Xminimal risk Nearest Special Flood Hazard Area Zone AE, within 100 ft Flood Insurance Requirement Not requiredlenders may require it Flood Insurance Cost Premium on File median of 28 policies Community Rating System Class 5 (25% premium discount) Nearby Flood Policies 28 in force Nearby Flood Claims 6 (2003–2019) Claims Outside the SFHA 6 of 6 Most Recent Claim Jun 2019 · other causes Claims by Event Tropical Storm Debby, Jul 2012 · 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
Wildfire risk around 6113 Cognac Cir is moderate, ranking above 69% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk Moderateabove 69% of the US · above 50% of Florida Wildfire Likelihood 0.2% annual chance Exposure Indirectwithin ember reach Adjoins Burnable Land Yes
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 UTILITIESserves 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 Nonelast 10 years Treatment and Procedure Nonelast 10 years Monitoring and Reporting 1last 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 172 locations within half a mile, as of December 31, 2025
Provider Max Down / Up (Mbps) FrontierFiber 7,000 / 7,000 SpectrumCable 1,000 / 1,000 T-MobileFixed Wireless 100 / 20
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