17122 Shell Bay Dr, Land O Lakes, FL 34638 Property Records

Pasco County property record for 17122 Shell Bay Dr, Land O Lakes, FL 34638

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,141 sqft · built 2022
Lot Size	0.161 acres (7,039 sqft)
Owner	Individual Name on File
Last Sale	$415,000 (Dec 2022)
Tax Bill	$9,281 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Dec 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`17-25-18-0070-00000-0880`

Property Details

APN / Parcel Number

Primary APN	`17-25-18-0070-00000-0880`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,141 sqft Living Area
Gross Area	2,819 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Concrete Block
Roof Type	Gable
Roof Material	Concrete Tile
Lot Area	7,039 sqft (0.161 acres)
Garage Area	462 sqft
Driveway	Driveway
Driveway Area	190 sqft
Patio Area	150 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	17122 SHELL BAY DR
City	LAND O LAKES
State	FL
Zip	34638-5759
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MPUD
Legal Description	ANGELINE PHASES 1A 1B 1C & 1D PB 87 PG 072 LOT 88
Legal Lot Number	88
Jurisdiction	PASCO FL
Township / Civil Division	NEW PORT RICHEY
Census Block Group	1
Census Block	1000
Census Tract	31701

Owner

17122 Shell Bay Dr is owned and occupied by an individual who bought it in December 2022.

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

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	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	17122 SHELL BAY DR, LAND O LAKES, FL 34638-5759
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2023	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Dec 20, 2022	Special Warranty Deed, Subdivision Related Transfer LENNAR TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2022 · Amount on File
Deed Sale	Dec 20, 2022 · Amount on File
Deed Document Number	2022263708
Deed Book / Page	10739 / 3164
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	17122 SHELL BAY DR, LAND O LAKES, FL 34638-5759
Transaction Type	Mortgage
Record Updated	Feb 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17122 SHELL BAY DR, LAND O LAKES, FL 34638-5759

Mortgage

Document Number	0107893487
Date	Mar 28, 2023
Book Page	10789/3487
Instrument	2023054254

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Dec 20, 2022
Property Address	17122 SHELL BAY DR, LAND O LAKES, FL 34638-5759
Document Number	0107393164
Book / Page	10739 / 3164
Map Reference	MB 87 PG 72
Instrument Date	Nov 29, 2022
Instrument	2022263708
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 9, 2024
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount on Record
Tax	$2,905.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4600 W CYPRESS ST STE 200, 200, TAMPA, FL 33607-4099

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17122 SHELL BAY DR, LAND O LAKES, FL 34638-5759

Tax Assessment & Valuation

The 2025 property tax bill for 17122 Shell Bay Dr was $9,281 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	$9,281.00 Homeowner's exemption	$366,375 Land $72,283 Building $294,092	$366,375 Land $72,283 Building $294,092
2023	$8,689.00 (+150.04%) Additional exemption filed	$388,944 (+1,774.16%) Land $51,883 Building $337,061	$388,944 (+1,774.16%) Land $51,883 Building $337,061
2022	$3,475.00	$20,753	$20,753 Land $20,753

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 17122 Shell Bay Dr 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 689 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	689 in force
Nearby Flood Claims	10 (2004–2025)
Claims Outside the SFHA	9 of 10
Most Recent Claim	Dec 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 17122 Shell Bay Dr is high, ranking above 78% 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 Risk	High above 78% of the US · above 66% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T.

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