14520 Waterloo Rd, Odessa, FL 33556 Property Records

Pasco County property record for 14520 Waterloo Rd, Odessa, FL 33556

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,622 sqft · built 1959
Lot Size	0.359 acres (15,625 sqft)
Owner	2 Individual Names on File
Last Sale	$69,500 (Jul 2021)
Tax Bill	$3,985 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`35-26-17-0150-00000-0020`

Property Details

APN / Parcel Number

Primary APN	`35-26-17-0150-00000-0020`
Alternative APNs	`1726350150000000020` `1406705`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,622 sqft Living Area
1st Floor Area	1,526 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1965
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,625 sqft (0.359 acres)
View / Lot	Waterfront
Garage Type	Carport
Garage Area	440 sqft
Carport	Carport
Carport Area	440 sqft
Driveway	Asphalt Driveway
Driveway Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	362 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	14520 WATERLOO RD
City	ODESSA
State	FL
Zip	33556-3618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1MH
Legal Description	MINEOLA ACRES UNREC LOT 2 DESC AS COM NW COR OF NW1/4 OF NW1/4 OF NE1/4 TH EAST 100.00 FT FOR POB TH EAST 100 FT TH S14DEG 0000W 171.20 FT MOL TO WATERS OF LAKE MINEOLA TH SWLY ALG SAID WATERS 100.00 FT TO A POINT S06DEG 3600W 231.00 FT MOL FROM POB
Legal Range	17E
Legal Township	26S
Legal Section	35
Legal Subdivision	MINEOLA ACRES
Legal Tract	150
Legal Lot Number	2
Jurisdiction	PASCO FL
Township / Civil Division	NEW PORT RICHEY
Census Block Group	2
Census Block	2016
Census Tract	31602

Owner

14520 Waterloo Rd is owned and occupied by two individuals who bought it in July 2021.

Source: Pasco County records, as of June 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	14520 WATERLOO RD, ODESSA, FL 33556-3618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2021 · Amount on File
Deed Sale	Jul 29, 2021 · Amount on File
Prior Sale	Sep 29, 2016 · Amount on File
Deed Document Number	2021159859
Deed Book / Page	10404 / 208
Prior Transfer Date	Apr 30, 2021
Prior Transfer Doc	0104040208
Record Updated	Oct 29, 2026

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PASCO FL
Recording Date	Jul 29, 2021
Property Address	14520 WATERLOO RD, ODESSA, FL 33556-3618
Document Number	0104040208
Book / Page	10404 / 208
Instrument Date	Apr 30, 2021
Instrument	2021159859
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Tax	$486.50
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14520 WATERLOO RD, 14520, ODESSA, FL 33556-3618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14520 WATERLOO RD, ODESSA, FL 33556-3618

Mortgage

Document Number	10404215
Date	Jul 29, 2021
Instrument	10404/215

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 14520 Waterloo Rd was $3,985 with a homeowner's exemption, up 5.2% from the year before.

Source: Pasco County assessment roll, as of December 29, 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
2026		$266,403 (+0.27%)	$299,088 (-1.69%) Land $135,574 Building $163,514
2025	$3,985.00 (+5.2%) Homeowner's exemption	$265,688 Land $135,574 Building $130,114	$304,236 Land $135,574 Building $168,662
2024	$3,788.00 (+6.08%)
2023	$3,571.00 (+19.19%) Additional exemption filed	$251,964 (+13.14%) Land $127,564 Building $124,400	$289,608 (+22.02%) Land $127,564 Building $162,044
2022	$2,996.00 Homeowner's exemption	$222,709 Land $108,394 Building $114,315	$237,340 Land $108,394 Building $128,946

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

Flood

FEMA maps place 14520 Waterloo Rd 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 Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 129 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	129 in force
Nearby Flood Claims	11 (1997–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 5 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 14520 Waterloo Rd is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 82 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20