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12509 White Bluff Rd, Hudson, FL 34669 Property Records

Pasco County property record for 12509 White Bluff Rd, Hudson, FL 34669

Property Summary

Property TypeSingle Family Home
Details3 ba · 1,893 sqft · built 2006
Lot Size0.144 acres (6,301 sqft)
OwnerIndividual Name on File
Last Sale$214,999 (Jun 2020)
Tax Bill$4,575 (2025)
Deeds & MortgagesJun 2024 Mortgage
Feb 2026 Line of Credit
+ 1 more
Flood ZoneZone X (minimal risk)
APN03-25-17-0070-00000-1990

Property Details

APN / Parcel Number

Primary APN03-25-17-0070-00000-1990
Alternative APN
  • 1209813

Interior

Full Baths3 Baths
Stories2 Stories
Building Area1,893 sqft Living Area
Gross Area2,504 sqft
1st Floor Area967 sqft
Upper Floors Area926 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Exterior MaterialStucco
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area6,301 sqft (0.144 acres)
Garage Area441 sqft
DrivewayDriveway
Driveway Area511 sqft
PorchPorch
Porch Area170 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Account Number1209813
Street Address12509 WHITE BLUFF RD
CityHUDSON
StateFL
Zip34669-5017
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMPUD
Legal DescriptionVERANDAHS PB 56 PG 064 LOT 199
Legal Range17E
Legal Township25S
Legal Section03
Legal SubdivisionVERANDAHS
Legal Tract70
Legal Lot Number199
JurisdictionPASCO FL
Township / Civil DivisionPORT RICHEY
Census Block Group2
Census Block2009
Census Tract31208

Owner

12509 White Bluff Rd is owned and occupied by an individual who bought it in June 2020.

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

Owner of RecordIndividual Name on File
Mailing Address12509 WHITE BLUFF RD, HUDSON, FL 34669-5017
OccupancyOwner Occupied
Owner TypeIndividual

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
Jun 4, 2024Deed of Trust, Mortgage · FHA Mortgage
CARRINGTON MORTGAGE SERVICES LLC
Feb 3, 2026Deed of Trust, Mortgage · Line of Credit
TROVY LENDING CO
Jun 3, 2020Warranty Deed, Transfer · FHA Mortgage
CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 3, 2020 · Amount on File
Deed SaleJun 3, 2020 · Amount on File
Prior SaleNov 28, 2006 · Amount on File
Deed Document Number2020087917
Deed Book / Page10112 / 1251
Record UpdatedSep 20, 2026

June 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPASCO FL
Property Address12509 WHITE BLUFF RD, HUDSON, FL 34669-5017
Transaction TypeMortgage
Record UpdatedJun 8, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address12509 WHITE BLUFF RD, HUDSON, FL 34669-5017

Mortgage

Document Number0110211843
DateJun 4, 2024
Book Page11021/1843
Instrument2024096603
Lender
NameCARRINGTON MORTGAGE SERVICES LLC
TypeMortgage Company
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term313 Months
DueJul 1, 2050

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPASCO FL
Property Address12509 WHITE BLUFF RD, HUDSON, FL 34669-5017
Transaction TypeMortgage
Record UpdatedJun 8, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address12509 WHITE BLUFF RD, HUDSON, FL 34669-5017

Mortgage

Document Number0113582455
DateFeb 3, 2026
Book Page11358/2455
Instrument2026020978
Lender
NameTROVY LENDING CO
TypeMortgage Company
AddressNEW YORK, NY 10003
Agreement
TypeLine of Credit
AmountAmount on Record
Term359 Months
DueJan 28, 2056
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPASCO FL
Recording DateJun 3, 2020
Property Address12509 WHITE BLUFF RD, HUDSON, FL 34669-5017
Document Number0101121251
Book / Page10112 / 1251
Map ReferenceMB 56 PG 64
Instrument DateJun 2, 2020
Instrument2020087917
Transaction TypeTransfer
Record UpdatedDec 13, 2021
Title CompanyFIRST AMERICAN TITLE INS CO

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,505.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address21910 CREST MEADOW DR, 21910, LAND O LAKES, FL 34637-6425

Transferred To (Grantee/Buyer)

NameVerified Name
Address12509 WHITE BLUFF RD, HUDSON, FL 34669-5017

Mortgage

Document Number101121253
DateJun 3, 2020
Instrument10112/1253
Lender
NameCARRINGTON MORTGAGE SERVICES LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 12509 White Bluff Rd was $4,575 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateFlorida
CountyPasco County
Unified School DistrictPasco County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,575.00 Homeowner's exemption$198,690 Land $53,559 Building $145,131$280,641 Land $53,559 Building $227,082
2023$4,285.00 (+6.94%) Additional exemption filed$186,550 (+3%) Land $38,814 Building $147,736$291,140 (+28.03%) Land $38,814 Building $252,326
2022$4,007.00 Homeowner's exemption$181,120 Land $32,324 Building $148,796$227,408 Land $32,324 Building $195,084

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

Flood

FEMA maps place 12509 White Bluff Rd in Zone X, an area of minimal flood risk, within 500 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 13 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies13 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

Wildfire risk around 12509 White Bluff Rd is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire RiskModerate
above 63% of the US · lower than 60% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
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 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 254 locations within half a mile, as of December 31, 2025

ProviderMax 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

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