Pasco County property record for 10130 Coldwater Loop, Land O Lakes, FL 34638
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,365 sqft · built 2006 |
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $410,000 (Apr 2026) |
| Tax Bill | $2,586 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Apr 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-25-18-0060-00D00-0260 |
| Primary APN | 16-25-18-0060-00D00-0260 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,365 sqft Living Area |
| Gross Area | 2,805 sqft |
| 1st Floor Area | 1,196 sqft |
| Upper Floors Area | 1,169 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,500 sqft (0.126 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 496 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 308 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 129 sqft |
| Deck Area | Deck Area |
| Patio Area | 580 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 10130 COLDWATER LOOP |
|---|---|
| City | LAND O LAKES |
| State | FL |
| Zip | 34638-6038 |
| 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 26 OR 8963 PG 2227 |
| Legal Range | 18E |
| Legal Township | 25S |
| Legal Section | 16 |
| Legal Subdivision | ASBEL CREEK |
| Legal Tract | 60 |
| Legal Block | D |
| Legal Lot Number | 26 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | CENTRAL PASCO |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 31903 |
Source: Pasco County records, as of May 7, 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 | 10130 COLDWATER LOOP, LAND O LAKES, FL 34638-6038 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 14, 2021 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| Apr 29, 2026 | Warranty Deed, Transfer · FHA Mortgage HOME MORTGAGE CAPITAL CORPORATION |
| Mar 23, 2020 | Loan Modification, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Jun 1, 2018 | Loan Modification, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2026 · Amount on Record |
| Deed Sale | Apr 29, 2026 · Amount on Record |
| Prior Sale | Nov 26, 2013 · Amount on Record |
| Deed Document Number | 202679140 |
| Deed Book / Page | 11410 / 342 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 10130 COLDWATER LOOP, LAND O LAKES, FL 34638-6038 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2026 |
| Title Company | ADVANTAGEONE TITLE, ADVANTAGE TITLE |
| Name | Verified Name |
|---|---|
| Address | 10130 COLDWATER LOOP, LAND O LAKES, FL 34638-6038 |
| Document Number | 0105061457 |
|---|---|
| Date | Dec 14, 2021 |
| Book Page | 10506/1457 |
| Instrument | 2021268129 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73134 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 340 Months |
| Due | Apr 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Apr 29, 2026 |
| Property Address | 10130 COLDWATER LOOP, LAND O LAKES, FL 34638-6038 |
| Document Number | 0000079140 |
| Book / Page | 11410 / 342 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 2026.79140 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $289,870.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10130 COLDWATER LOOP, LAND O LAKES, FL 34638-6038 |
| Document Number | 0000079141, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 2026..79141 |
| Name | HOME MORTGAGE CAPITAL CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000079142, |
|---|---|
| Date | Apr 29, 2026 |
| Book Page | 11410/361 |
| Instrument | 2026.79142 |
| Name | HOME MORTGAGE CAPITAL CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 10 Months |
| Due | May 1, 2036 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 10130 COLDWATER LOOP, LAND O LAKES, FL 34638-6038 |
| Document Number | 0100852846 |
| Instrument Date | Mar 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 10130 COLDWATER LOOP LAND O LAKES FL 346386038, LAND O LAKES, FL 34638-6038 |
| Document Number | 0100852846 |
|---|---|
| Date | Apr 13, 2020 |
| Book Page | 010085/002846 |
| Instrument | 61743 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | OKLAHOMA CITY, OK 73134 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 12, 2050 |
| Rate | 3.75% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 10130 COLDWATER LOOP, LAND O LAKES, FL 34638-6038 |
| Document Number | 0097470486 |
| Instrument Date | Jun 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2018 |
| Name | Verified Name |
|---|---|
| Address | 10130 COLDWATER LOOP LAND O LAKES FL 346386038, LAND O LAKES, FL 34638-6038 |
| Document Number | 0097470486 |
|---|---|
| Date | Jun 26, 2018 |
| Book Page | 009747/000486 |
| Instrument | 107768 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | OKLAHOMA CITY, OK 73134 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 25, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
Source: Pasco County assessment roll, as of December 29, 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 |
|---|---|---|---|
| 2026 | $188,610 (+2.9%) | $340,125 (-0.97%) Land $60,450 Building $279,675 | |
| 2025 | $2,586.00 (+2.74%) Homeowner's exemption | $183,300 (+5.98%) Land $60,450 Building $122,850 | $343,462 (-7.14%) Land $60,450 Building $283,012 |
| 2024 | $2,517.00 (+4.14%) | ||
| 2023 | $2,417.00 (+7.95%) Additional exemption filed | $172,960 (+3%) Land $47,040 Building $125,920 | $369,867 (+16.77%) Land $47,040 Building $322,827 |
| 2022 | $2,239.00 Homeowner's exemption | $167,930 Land $39,345 Building $128,585 | $316,758 Land $39,345 Building $277,413 |
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 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 Record 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.
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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