Pasco County property record for 10127 Coldwater Loop, Land O Lakes, FL 34638
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,585 sqft · built 2006 |
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $305,997 (Dec 2006) |
| Tax Bill | $2,539 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-25-18-0060-00D00-0150 |
| Primary APN | 16-25-18-0060-00D00-0150 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,585 sqft Living Area |
| Gross Area | 3,285 sqft |
| 1st Floor Area | 2,121 sqft |
| Upper Floors Area | 464 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,500 sqft (0.126 acres) |
| Garage Area | 440 sqft |
| Driveway | Driveway |
| Driveway Area | 496 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 260 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 0920904 |
|---|---|
| Street Address | 10127 COLDWATER LOOP |
| City | LAND O LAKES |
| State | FL |
| Zip | 34638-6039 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MPUD |
| Legal Description | ASBEL CREEK PHASE THREE PB 57 PG 001 BLOCK D LOT 15 OR 7328 PG 1674 |
| Legal Range | 18E |
| Legal Township | 25S |
| Legal Section | 16 |
| Legal Subdivision | ASBEL CREEK |
| Legal Phase | 3 |
| Legal Tract | 60 |
| Legal Block | D |
| Legal Lot Number | 15 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | CENTRAL PASCO |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 31903 |
The current owner of 10127 Coldwater Loop bought it in December 2006.
Source: Pasco County records, as of December 19, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 10127 COLDWATER LOOP, LAND O LAKES, FL 34638-6039 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 28, 2006 · Amount on File |
| Deed Sale | Dec 28, 2006 · Amount on File |
| Deed Document Number | 2006256163 |
| Deed Book / Page | 7328 / 1674 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 10127 COLDWATER LOOP, LAND O LAKES, FL 34638-6039 |
| Document Number | 0100442651 |
| Instrument Date | Jan 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10127 COLDWATER LOOP LAND O LAKES FL 346386039, LAND O LAKES, FL 34638-6039 |
| Document Number | 0100442651 |
|---|---|
| Date | Jan 29, 2020 |
| Book Page | 010044/002651 |
| Instrument | 16103 |
| Name | MIDFLORIDA CU ISAOA |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802-8008 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 28, 2050 |
The 2025 property tax bill for 10127 Coldwater Loop was $2,539 with a homeowner's exemption.
Source: Pasco County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pasco County |
| Unified School District | Pasco County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,539.00 Homeowner's exemption | $175,460 Land $60,450 Building $115,010 | $371,535 Land $60,450 Building $311,085 |
| 2023 | $2,377.00 (+11.39%) Additional exemption filed | $165,560 (+3%) Land $47,040 Building $118,520 | $401,920 (+17.47%) Land $47,040 Building $354,880 |
| 2022 | $2,134.00 Homeowner's exemption | $160,740 Land $39,345 Building $121,395 | $342,135 Land $39,345 Building $302,790 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10127 Coldwater Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 20, 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 File median of 46 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 46 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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 risk around 10127 Coldwater Loop is moderate, ranking above 60% 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 | Moderate above 60% of the US · lower than 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
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 | PCUD-PASCO COUNTY REGIONAL PWS serves 214,403 people · EPA ID FL6511361 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2025 |
| Lead | 1 ppb (2023) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Total trihalomethanes not recorded as resolved · Jan 2026 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 10 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 456 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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