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10137 Coldwater Loop, Land O Lakes, FL 34638 Property Records

Pasco County property record for 10137 Coldwater Loop, Land O Lakes, FL 34638

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,364 sqft · built 2007
Lot Size0.134 acres (5,837 sqft)
OwnerCompany Name on Record
Last Sale$191,000 (Oct 2014)
Tax Bill$6,010 (2025)
Deeds & MortgagesSep 2019 Transfer
Sep 2019 Loan Modification
Flood ZoneZone X (minimal risk)
APN16-25-18-0060-00D00-0170

Property Details

APN / Parcel Number

Primary APN16-25-18-0060-00D00-0170
Alternative APNs
  • 182516006000D000170
  • 0920906

Interior

Full Baths3 Baths
Stories2 Stories
Building Area2,364 sqft Living Area
Gross Area2,804 sqft
1st Floor Area1,196 sqft
Upper Floors Area1,168 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area5,837 sqft (0.134 acres)
Garage TypeAttached
Garage Area440 sqft
DrivewayConcrete Driveway
Driveway Area496 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area129 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address10137 COLDWATER LOOP
CityLAND O LAKES
StateFL
Zip34638-6039
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMPUD
Legal DescriptionASBEL CREEK PHASE THREE PB 57 PG 001 BLOCK D LOT 17 OR 9105 PG 3022 OR 9199 PG 1646
Legal Range18E
Legal Township25S
Legal Section16
Legal SubdivisionASBEL CREEK
Legal Tract60
Legal BlockD
Legal Lot Number17
JurisdictionPASCO FL
Township / Civil DivisionCENTRAL PASCO
Census Block Group1
Census Block1000
Census Tract31903

Owner

Source: Pasco County records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing AddressPO BOX 4090, SCOTTSDALE, AZ 85261-4090
Owner TypeCompany
VestingLimited Liability Company

Deeds, Mortgages & Sale History

DateDocument
Sep 13, 2019Quit Claim Deed, Transfer
OS NATIONAL LLC, OS NAT'L LLC
Sep 13, 2019Loan Modification, Mortgage · Line of Credit
MORGAN STANLEY MTG CAP HOLDING

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 31, 2014 · Amount on Record
Deed SaleOct 31, 2014 · Amount on Record
Prior SaleMay 28, 2014 · Amount on Record
Deed Document Number2014173303
Deed Book / Page9105 / 3022
Last Transfer DateAug 22, 2019
Transfer Doc0099723179
Record UpdatedOct 29, 2026

September 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPASCO FL
Recording DateSep 13, 2019
Property Address10137 COLDWATER LOOP, LAND O LAKES, FL 34638-6039
Document Number0099723179
Book / Page009972 / 003179
Instrument DateAug 22, 2019
Instrument156464
Transaction TypeTransfer
Record UpdatedSep 25, 2019
Title CompanyOS NATIONAL LLC, OS NAT'L LLC

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 4090 SCOTTSDALE AZ 852614090, SCOTTSDALE, AZ 85261-4090

September 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPASCO FL
Recording DateSep 13, 2019
Property Address10137 COLDWATER LOOP, LAND O LAKES, FL 34638-6039
Document Number0099723244
Book / Page009972 / 003244
Instrument DateAug 22, 2019
Instrument156465
Transaction TypeMortgage
Record UpdatedSep 27, 2019
Title CompanyOS NATIONAL LLC, OS NAT'L LLC

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address810 7TH AVE #24TH NEW YORK NY 100195818, 24TH, NEW YORK, NY 10019-5818

Mortgage

Document Number99723244
DateSep 13, 2019
Book Page009972/003244
Instrument156465
Lender
NameMORGAN STANLEY MTG CAP HOLDING
TypeMortgage Company
Address1585 BROADWAY # 24TH, NEW YORK, NY 10036-8200
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Pasco County assessment roll, as of December 29, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyPasco County
Unified School DistrictPasco County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$340,029 (-0.21%) Land $60,713 Building $279,316$340,029 (-0.21%) Land $60,713 Building $279,316
2025$6,010.00 (+2.56%)$340,748 (-7.21%) Land $60,713 Building $280,035$340,748 (-7.21%) Land $60,713 Building $280,035
2024$5,860.00 (+4.42%)
2023$5,612.00 (+21.42%)$367,242 (+17.67%) Land $47,303 Building $319,939$367,242 (+17.67%) Land $47,303 Building $319,939
2022$4,622.00$312,093 Land $39,608 Building $272,485$312,093 Land $39,608 Building $272,485

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 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 46 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies46 in force
Nearby Flood Claims1 (2024)
Claims Outside the SFHA1 of 1
Most Recent ClaimOct 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 60% of the US · lower than 66% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within 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 SystemPCUD-PASCO COUNTY REGIONAL PWS
serves 214,403 people · EPA ID FL6511361
Water SourcePurchased surface water from several systems
Last State InspectionJun 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityTotal trihalomethanes
not recorded as resolved · Jan 2026
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting10
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 456 locations within half a mile, as of December 31, 2025

ProviderMax 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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