12438 White Bluff Rd, Hudson, FL 34669 Property Records

Pasco County property record for 12438 White Bluff Rd, Hudson, FL 34669

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,694 sqft · built 2006
Lot Size	0.146 acres (6,403 sqft)
Owner	Individual Name on Record
Last Sale	$204,900 (Aug 2019)
Tax Bill	$4,463 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-25-17-0070-00000-1800`

Property Details

APN / Parcel Number

Primary APN	`03-25-17-0070-00000-1800`
Alternative APN	`1209707`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,694 sqft Living Area
Gross Area	2,278 sqft
1st Floor Area	946 sqft
Upper Floors Area	748 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,403 sqft (0.146 acres)
Garage Area	420 sqft
Driveway	Driveway
Driveway Area	405 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	164 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	1209707
Street Address	12438 WHITE BLUFF RD
City	HUDSON
State	FL
Zip	34669-5016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MPUD
Legal Description	VERANDAHS PB 56 PG 064 LOT 180
Legal Range	17E
Legal Township	25S
Legal Section	03
Legal Subdivision	VERANDAHS
Legal Tract	70
Legal Lot Number	180
Jurisdiction	PASCO FL
Township / Civil Division	PORT RICHEY
Census Block Group	2
Census Block	2013
Census Tract	31208

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	12438 WHITE BLUFF RD, HUDSON, FL 34669-5016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2019 · Amount on Record
Deed Sale	Aug 9, 2019 · Amount on Record
Prior Sale	Nov 30, 2006 · Amount on Record
Deed Document Number	2019135229
Deed Book / Page	9953 / 3473
Record Updated	Jun 8, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Aug 9, 2019
Property Address	12438 WHITE BLUFF RD, HUDSON, FL 34669-5016
Document Number	0099533473
Book / Page	9953 / 3473
Map Reference	MB 56 PG 64
Instrument Date	Aug 8, 2019
Instrument	2019135229
Transaction Type	Transfer
Record Updated	Dec 13, 2021
Title Company	CHAMPIONS TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,434.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	158 CEDER ELM TERRACE, 158, LAND O LAKES, FL 34638

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12438 WHITE BLUFF RD, HUDSON, FL 34669-5016

Mortgage

Document Number	99533475
Date	Aug 9, 2019
Instrument	9953/3475

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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	$4,463.00 (+6.87%) Homeowner's exemption	$192,060 (+6.62%) Land $57,947 Building $134,113	$269,760 (-3.39%) Land $57,947 Building $211,813
2023	$4,176.00 (+6.8%) Additional exemption filed	$180,140 (+3%) Land $44,117 Building $136,023	$279,220 (+27.78%) Land $44,117 Building $235,103
2022	$3,910.00 Homeowner's exemption	$174,900 Land $36,753 Building $138,147	$218,518 Land $36,753 Building $181,765

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	13 in force

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	Moderate above 63% of the US · lower than 60% 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.

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 254 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 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20