10853 Tree Cactus Loop, Land O Lakes, FL 34638 Property Records

Pasco County property record for 10853 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	0.176 acres (7,692 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Sep 2022)
Tax Bill	$4,598 (2025)
Deeds & Mortgages	Sep 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`13-25-17-0010-00800-0070`

Property Details

APN / Parcel Number

Primary APN	`13-25-17-0010-00800-0070`
Alternative APN	`1260610`

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	7,692 sqft (0.176 acres)
Garage Area	420 sqft
Driveway	Driveway
Driveway Area	651 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	181 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	1260610
Street Address	10853 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 7
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	7
Jurisdiction	PASCO FL
Township / Civil Division	NEW PORT RICHEY
Census Block Group	1
Census Block	1010
Census Tract	31701

Owner

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
Co-owner	Co-owner on Record
Mailing Address	10853 TREE CACTUS LOOP, LAND O LAKES, FL 34638-6878
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2022 · Amount on Record
Deed Sale	Sep 1, 2022 · Amount on Record
Prior Sale	Jul 11, 2016 · Amount on Record
Deed Document Number	2022194039
Deed Book / Page	10683 / 888
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Sep 1, 2022
Property Address	10853 TREE CACTUS LOOP, LAND O LAKES, FL 34638-6878
Document Number	0106830888
Book / Page	10683 / 888
Map Reference	MB 47 PG 1-24
Instrument Date	Aug 26, 2022
Instrument	2022194039
Transaction Type	Transfer
Record Updated	Sep 16, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Tax	$2,345.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1638 WINTER WALK CIR, 1638, MORRISVILLE, NC 27560-6928

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10853 TREE CACTUS LOOP, LAND O LAKES, FL 34638-6878

Tax Assessment & Valuation

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	$4,598.00 (-12.02%) Homeowner's exemption	$297,317 (+1.33%) Land $65,995 Building $231,322	$297,317 (+1.33%) Land $65,995 Building $231,322
2023	$5,226.00 (+130.63%)	$293,425 (+74.11%) Land $54,534 Building $238,891	$293,425 (+13.68%) Land $54,534 Building $238,891
2022	$2,266.00	$168,530 Land $45,458 Building $123,072	$258,126 Land $45,458 Building $212,668

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 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 Record 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

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