Pasco County property record for 18232 Fish Loop, Land O Lakes, FL 34638
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,213 sqft · built 2010 |
| Lot Size | 0.138 acres (6,050 sqft) |
| Owner | Individual Name on File |
| Last Sale | $224,500 (Jul 2017) |
| Tax Bill | $3,478 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-25-18-0010-01800-0350 |
| Primary APN | 21-25-18-0010-01800-0350 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,213 sqft Living Area |
| Gross Area | 2,687 sqft |
| 1st Floor Area | 967 sqft |
| Upper Floors Area | 1,246 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2010 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,050 sqft (0.138 acres) |
| Garage Area | 420 sqft |
| Driveway | Driveway |
| Driveway Area | 571 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 54 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 0922604 |
|---|---|
| Street Address | 18232 FISH LOOP |
| City | LAND O LAKES |
| State | FL |
| Zip | 34638-6113 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MPUD |
| Legal Description | ASBEL ESTATES PHASE 3 PB 59 PG 039 BLOCK 18 LOT 35 OR 9567 PG 3660 |
| Legal Range | 18E |
| Legal Township | 25S |
| Legal Section | 21 |
| Legal Subdivision | ASBEL ESTATES |
| Legal Phase | 3 |
| Legal Tract | 10 |
| Legal Block | 18 |
| Legal Lot Number | 35 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | CENTRAL PASCO |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 31903 |
18232 Fish Loop is owned and occupied by an individual who bought it in July 2017.
Source: Pasco County records, as of December 19, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 18232 FISH LOOP, LAND O LAKES, FL 34638-6113 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 7, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jul 5, 2017 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 5, 2017 · Amount on File |
| Deed Sale | Jul 5, 2017 · Amount on File |
| Prior Sale | Dec 27, 2010 · Amount on File |
| Deed Document Number | 2017104576 |
| Deed Book / Page | 9567 / 3660 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 18232 FISH LOOP, LAND O LAKES, FL 34638-6113 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 18232 FISH LOOP, LAND O LAKES, FL 34638-6113 |
| Document Number | 0105002127 |
|---|---|
| Date | Dec 7, 2021 |
| Book Page | 10500/2127 |
| Instrument | 2021262120 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Jul 5, 2017 |
| Property Address | 18232 FISH LOOP, LAND O LAKES, FL 34638-6113 |
| Document Number | 0095673660 |
| Book / Page | 009567 / 003660 |
| Instrument Date | Jun 30, 2017 |
| Instrument | 104576 |
| Transaction Type | Transfer |
| Record Updated | Jul 31, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,571.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18232 FISH LOOP LAND O LAKES FL 346386113, LAND O LAKES, FL 34638-6113 |
| Document Number | 95673662 |
|---|---|
| Date | Jul 5, 2017 |
| Book Page | 009567/003662 |
| Instrument | 104577 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 4, 2047 |
The 2025 property tax bill for 18232 Fish Loop was $3,478 with a homeowner's exemption.
Source: Pasco County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pasco County |
| Unified School District | Pasco County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,478.00 Homeowner's exemption | $231,500 Land $60,879 Building $170,621 | $315,823 Land $60,879 Building $254,944 |
| 2023 | $2,908.00 (+9.98%) Additional exemption filed | $218,430 (+3%) Land $47,469 Building $170,961 | $340,911 (+17.77%) Land $47,469 Building $293,442 |
| 2022 | $2,644.00 Homeowner's exemption | $212,070 Land $39,774 Building $172,296 | $289,474 Land $39,774 Building $249,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18232 Fish Loop 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 46 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 46 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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 risk around 18232 Fish Loop is moderate, ranking above 68% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 68% of the US · above 48% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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.
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 |
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.
Source: FCC Broadband Data Collection, based on 264 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 |
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