12528 Willow Tree Ave, Hudson, FL 34669 Property Records

Pasco County property record for 12528 Willow Tree Ave, Hudson, FL 34669

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,480 sqft · built 1986
Lot Size	0.192 acres (8,366 sqft)
Owner	Owner Name on File
Last Sale	$73,000 (Oct 2000)
Tax Bill	$808 (2025)
Deeds & Mortgages	Nov 2022 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`04-25-17-004A-00000-2080`

Property Details

APN / Parcel Number

Primary APN	`04-25-17-004A-00000-2080`
Alternative APNs	`172504004A000002080` `1215207`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,480 sqft Living Area
Gross Area	2,190 sqft
1st Floor Area	1,480 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Exterior Material	Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,366 sqft (0.192 acres)
Garage Area	420 sqft
Driveway	Driveway
Driveway Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	290 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	1215207
Old Parcel Number	172504004A000002080
Street Address	12528 WILLOW TREE AVE
City	HUDSON
State	FL
Zip	34669-2782
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0PUD
Legal Description	SHADOW LAKES UNIT 1 PB 20 PGS 27-29 LOT 208 OR 4465 PG 1127
Legal Range	17E
Legal Township	25S
Legal Section	04
Legal Subdivision	SHADOW LAKES ESTATES
Legal Lot Number	208
Legal Unit	1
Jurisdiction	PASCO FL
Township / Civil Division	PORT RICHEY
Census Block Group	2
Census Block	2021
Census Tract	31207

Owner

The current owner of 12528 Willow Tree Ave bought it in October 2000.

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

Owner of Record	Owner Name on File
Mailing Address	12528 WILLOW TREE AVE, HUDSON, FL 34669-2782
Occupancy	Owner Occupied

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	Oct 19, 2000 · Amount on File
Deed Sale	Oct 19, 2000 · Amount on File
Prior Sale	Oct 6, 1998 · Amount on File
Deed Document Number	0446501127
Deed Book / Page	04465 / 01127
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	12528 WILLOW TREE AVE, HUDSON, FL 34669-2782
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12528 WILLOW TREE AVE, HUDSON, FL 34669-2782

Mortgage

Document Number	0107190578
Date	Nov 4, 2022
Book Page	10719/578
Instrument	2022237894

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	84 Months
Due	Nov 1, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 12528 Willow Tree Ave was $808 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	$808.00 Homeowner's exemption	$72,970 Land $41,492 Building $31,478	$241,808 Land $41,492 Building $200,316
2023	$773.00 (+9.18%) Additional exemption filed	$68,860 (+2.99%) Land $25,367 Building $43,493	$248,788 (+19.74%) Land $25,367 Building $223,421
2022	$708.00 Homeowner's exemption	$66,860 Land $21,167 Building $45,693	$207,778 Land $21,167 Building $186,611

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

Flood

FEMA maps place 12528 Willow Tree Ave 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 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 File median of 27 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	27 in force
Nearby Flood Claims	3 (1985–2020)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Nov 2020 · Hurricane Eta

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 12528 Willow Tree Ave is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.05% 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 193 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
T-Mobile Fixed Wireless	100 / 20