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10909 Tree Cactus Loop, Land O Lakes, FL 34638 Property Records

Pasco County property record for 10909 Tree Cactus Loop, Land O Lakes, FL 34638

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,930 sqft · built 2005
Lot Size0.248 acres (10,783 sqft)
Owner2 Individual Names on File
Last Sale$212,000 (Oct 2018)
Tax Bill$7,305 (2025)
Deeds & MortgagesMar 2018 Mortgage
Oct 2018 Sale & Mortgage
Flood ZoneZone A (high risk)
APN13-25-17-0010-00800-0040

Property Details

APN / Parcel Number

Primary APN13-25-17-0010-00800-0040
Alternative APNs
  • 1725130010008000040
  • 1260607

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,930 sqft Living Area
Gross Area2,350 sqft
1st Floor Area1,774 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area10,783 sqft (0.248 acres)
Garage TypeAttached
Garage Area420 sqft
DrivewayConcrete Driveway
Driveway Area651 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area301 sqft
Patio Area651 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address10909 TREE CACTUS LOOP
CityLAND O LAKES
StateFL
Zip34638-6880
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMPUD
Legal DescriptionSUNCOAST LAKES PHASE 1 PB 47 PG 001 BLOCK 8 LOT 4
Legal Range17E
Legal Township25S
Legal Section13
Legal SubdivisionSUNCOAST LAKES
Legal Tract10
Legal Block8
Legal Lot Number4
JurisdictionPASCO FL
Township / Civil DivisionNEW PORT RICHEY
Census Block Group1
Census Block1010
Census Tract31701

Owner

10909 Tree Cactus Loop is owned and occupied by two individuals who bought it in October 2018.

Source: Pasco County records, as of December 29, 2025

Owner of Record2 Individual Names on File
Mailing Address10909 TREE CACTUS LOOP, LAND O LAKES, FL 34638-6880
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants with Right of Survivorship

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

DateDocument
Mar 6, 2018Deed of Trust, Mortgage · Conventional Mortgage
RP FUNDING INC
Oct 9, 2018Warranty Deed, Transfer · FHA Mortgage
AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 9, 2018 · Amount on File
Deed SaleOct 9, 2018 · Amount on File
Prior SaleJul 21, 2006 · Amount on File
Deed Document Number2018171402
Deed Book / Page9800 / 860
Prior Transfer DateAug 24, 2018
Prior Transfer Doc0098000858
Record UpdatedSep 20, 2026

March 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPASCO FL
Property Address10909 TREE CACTUS LOOP, LAND O LAKES, FL 34638-6880
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyPLACER TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0096872519
DateMar 6, 2018
Book Page9687/2519
Instrument2018037196
Lender
NameRP FUNDING INC
TypeMortgage Company
AddressMAITLAND, FL 32751
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMar 1, 2048

October 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPASCO FL
Recording DateOct 9, 2018
Property Address10909 TREE CACTUS LOOP, LAND O LAKES, FL 34638-6880
Document Number0098000860
Book / Page9800 / 0860
Map ReferenceMB 47 PG 1-24
Instrument DateSep 4, 2018
Instrument2018171402
Transaction TypeTransfer
Record UpdatedDec 13, 2021
Title CompanyGULF WATER TITLE INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,484.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1733 ROWLAND DR, 1733, ODESSA, FL 33556-3657

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address10909 TREE CACTUS LOOP, LAND O LAKES, FL 34638-6880

Mortgage

Document Number2018171403
DateOct 9, 2018
Instrument2018171403
Lender
NameAMERICAN FINANCIAL NETWORK INC
TypeFunding / Finance Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueOct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 10909 Tree Cactus Loop was $7,305 with a homeowner's exemption, up 1.2% from the year before.

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$213,260 (+2.9%)$299,592 (-0.16%) Land $63,125 Building $236,467
2025$7,305.00 (+1.23%) Homeowner's exemption$207,250 Land $63,125 Building $144,125$300,079 Land $63,125 Building $236,954
2024$7,216.00 (+1.56%)
2023$7,105.00 (+4.53%) Additional exemption filed$195,620 (+3%) Land $52,168 Building $143,452$297,089 (+13.58%) Land $52,168 Building $244,921
2022$6,797.00 Homeowner's exemption$189,930 Land $43,491 Building $146,439$261,558 Land $43,491 Building $218,067

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

Flood

FEMA maps place 10909 Tree Cactus Loop in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone A
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 689 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies689 in force
Nearby Flood Claims10 (2004–2025)
Claims Outside the SFHA9 of 10
Most Recent ClaimDec 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 10909 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 RiskHigh
above 81% of the US · above 71% of Florida
Wildfire Likelihood0.6% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 101 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

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