10821 Tree Cactus Loop, Land O Lakes, FL 34638 Property Records

Pasco County property record for 10821 Tree Cactus Loop, Land O Lakes, FL 34638

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,774 sqft · built 2005
Lot Size	0.268 acres (11,699 sqft)
Owner	Individual Name on File
Last Sale	$207,000 (Aug 2019)
Tax Bill	$2,814 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-25-17-0010-00800-0150`

Property Details

APN / Parcel Number

Primary APN	`13-25-17-0010-00800-0150`
Alternative APN	`1260706`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,774 sqft Living Area
Gross Area	2,375 sqft
1st Floor Area	1,774 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,699 sqft (0.268 acres)
Garage Area	420 sqft
Driveway	Driveway
Driveway Area	603 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	181 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	1260706
Street Address	10821 TREE CACTUS LOOP
City	LAND O LAKES
State	FL
Zip	34638-6878
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MPUD
Legal Description	SUNCOAST LAKES PHASE 1 PB 47 PG 001 BLOCK 8 LOT 15
Legal Range	17E
Legal Township	25S
Legal Section	13
Legal Subdivision	SUNCOAST LAKES
Legal Phase	1
Legal Tract	10
Legal Block	8
Legal Lot Number	15
Jurisdiction	PASCO FL
Township / Civil Division	NEW PORT RICHEY
Census Block Group	1
Census Block	1010
Census Tract	31701

Owner

10821 Tree Cactus Loop is owned and occupied by an individual who bought it in August 2019.

Source: Pasco County records, as of December 19, 2025

Owner of Record	Individual Name on File
Mailing Address	10821 TREE CACTUS LOOP, LAND O LAKES, FL 34638-6878
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2019 · Amount on File
Deed Sale	Aug 20, 2019 · Amount on File
Prior Sale	Jul 22, 2005 · Amount on File
Deed Document Number	2019141071
Deed Book / Page	9959 / 0265
Record Updated	Jun 8, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Aug 20, 2019
Property Address	10821 TREE CACTUS LOOP, LAND O LAKES, FL 34638-6878
Document Number	0099590265
Book / Page	009959 / 000265
Instrument Date	Aug 16, 2019
Instrument	141071
Transaction Type	Transfer
Record Updated	Aug 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,449.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10821 TREE CACTUS LOOP LAND O LAKES FL 346386878, LAND O LAKES, FL 34638-6878

Mortgage

Document Number	99590267
Date	Aug 20, 2019
Book Page	009959/000267
Instrument	141072

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 19, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 10821 Tree Cactus Loop was $2,814 with a homeowner's exemption.

Source: Pasco County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pasco County
Unified School District	Pasco County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,814.00 Homeowner's exemption	$213,210 Land $75,888 Building $137,322	$306,273 Land $75,888 Building $230,385
2023	$2,988.00 (+11.2%) Additional exemption filed	$201,180 (+3%) Land $62,768 Building $138,412	$300,718 (+13.8%) Land $62,768 Building $237,950
2022	$2,687.00 Homeowner's exemption	$195,320 Land $52,368 Building $142,952	$264,243 Land $52,368 Building $211,875

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10821 Tree Cactus Loop 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 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 689 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	689 in force
Nearby Flood Claims	10 (2004–2025)
Claims Outside the SFHA	9 of 10
Most Recent Claim	Dec 2025
Claims by Event	Hurricane Milton, Oct 2024 · 3 claims Hurricane Debby, Aug 2024 · 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 10821 Tree Cactus Loop is high, ranking above 81% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 81% of the US · above 71% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Indirect within 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 101 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