Pasco County property record for 10138 Coldwater Loop, Land O Lakes, FL 34638
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,364 sqft · built 2007 |
| Lot Size | 0.171 acres (7,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $169,900 (Nov 2013) |
| Tax Bill | $2,958 (2025) |
| Deeds & Mortgages | Nov 2025 Second Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-25-18-0060-00D00-0250 |
| Primary APN | 16-25-18-0060-00D00-0250 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,364 sqft Living Area |
| Gross Area | 3,245 sqft |
| 1st Floor Area | 1,196 sqft |
| Upper Floors Area | 1,168 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,454 sqft (0.171 acres) |
| Garage Area | 440 sqft |
| Driveway | Driveway |
| Driveway Area | 496 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 441 sqft |
| Patio Area | 624 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 0920910 |
|---|---|
| Street Address | 10138 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 25 OR 8958 PG 1175 |
| 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 | 25 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | CENTRAL PASCO |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 31903 |
Source: Pasco County records, as of December 19, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 10138 COLDWATER LOOP, LAND O LAKES, FL 34638-6038 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 12, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 14, 2013 · Amount on Record |
| Deed Sale | Nov 14, 2013 · Amount on Record |
| Prior Sale | Aug 2, 2007 · Amount on Record |
| Deed Document Number | 2013194330 |
| Deed Book / Page | 8958 / 1175 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 10138 COLDWATER LOOP, LAND O LAKES, FL 34638-6038 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2025 |
| Name | Verified Name |
|---|---|
| Address | 10138 COLDWATER LOOP, LAND O LAKES, FL 34638-6038 |
| Document Number | 0113140900 |
|---|---|
| Date | Nov 12, 2025 |
| Book Page | 11314/900 |
| Instrument | 2025213385 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 10138 COLDWATER LOOP, LAND O LAKES, FL 34638-6038 |
| Document Number | 0100792263 |
| Instrument Date | Mar 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2020 |
| Title Company | AMERICAN CLOSING SERVICES LLC, AMERICAN CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10138 COLDWATER LOOP LAND O LAKES FL 346386038, LAND O LAKES, FL 34638-6038 |
| Document Number | 0100792263 |
|---|---|
| Date | Mar 31, 2020 |
| Book Page | 010079/002263 |
| Instrument | 55578 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 30, 2035 |
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 | $2,958.00 (+6.63%) Homeowner's exemption | $200,400 (+5.98%) Land $61,974 Building $138,426 | $355,001 (-7.23%) Land $61,974 Building $293,027 |
| 2023 | $2,774.00 (+11.32%) Additional exemption filed | $189,090 (+3%) Land $48,564 Building $140,526 | $382,670 (+17.36%) Land $48,564 Building $334,106 |
| 2022 | $2,492.00 Homeowner's exemption | $183,590 Land $40,869 Building $142,721 | $326,064 Land $40,869 Building $285,195 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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