Pasco County property record for 18325 Fish Loop, Land O Lakes, FL 34638
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,476 sqft · built 2011 |
| Lot Size | 0.181 acres (7,889 sqft) |
| Owner | Individual Name on File |
| Last Sale | $334,000 (Apr 2023) |
| Tax Bill | $3,959 (2025) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage Jun 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-25-18-0010-01900-0100 |
| Primary APN | 21-25-18-0010-01900-0100 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,476 sqft Living Area |
| Gross Area | 2,017 sqft |
| 1st Floor Area | 1,476 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2011 |
|---|---|
| Exterior Material | Concrete Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,889 sqft (0.181 acres) |
| Garage Area | 420 sqft |
| Driveway | Driveway |
| Driveway Area | 529 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 121 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 0922702 |
|---|---|
| Street Address | 18325 FISH LOOP |
| City | LAND O LAKES |
| State | FL |
| Zip | 34638-6115 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MPUD |
| Legal Description | ASBEL ESTATES PHASE 3 PB 59 PG 39 LOT 10 BLOCK 19 |
| Legal Range | 18E |
| Legal Township | 25S |
| Legal Section | 21 |
| Legal Subdivision | ASBEL ESTATES |
| Legal Phase | 3 |
| Legal Tract | 10 |
| Legal Block | 19 |
| Legal Lot Number | 10 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | CENTRAL PASCO |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 31903 |
18325 Fish Loop is owned and occupied by an individual who bought it in April 2023.
Source: Pasco County records, as of December 19, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 18325 FISH LOOP, LAND O LAKES, FL 34638-6115 |
| 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 |
|---|---|
| Apr 27, 2023 | Warranty Deed, Transfer · FHA Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC |
| Jun 26, 2020 | Loan Modification, Mortgage · Conventional Mortgage JP MORGAN MTG ACQUISITION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 27, 2023 · Amount on File |
| Deed Sale | Apr 27, 2023 · Amount on File |
| Prior Sale | Aug 22, 2011 · Amount on File |
| Deed Document Number | 2023074066 |
| Deed Book / Page | 10807 / 1175 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Apr 27, 2023 |
| Property Address | 18325 FISH LOOP, LAND O LAKES, FL 34638-6115 |
| Document Number | 0108071175 |
| Book / Page | 10807 / 1175 |
| Map Reference | MB 59 PG 39-52 |
| Instrument Date | Apr 21, 2023 |
| Instrument | 2023074066 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2023 |
| Title Company | NOT AVAILABLE, DIVVY TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,338.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6400 ANGUS VALLEY DR, ZEPHYRHILLS, FL 33544-5827 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 11006 SUMMER DR, TAMPA, FL 33624-7015 |
| Document Number | 0108071177 |
|---|---|
| Date | Apr 27, 2023 |
| Instrument | 10807/1177 |
| Name | HOMEOWNERS FINANCIAL GROUP USA LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 18325 FISH LOOP, LAND O LAKES, FL 34638-6115 |
| Document Number | 0101651543 |
| Instrument Date | Jun 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18325 FISH LOOP LAND O LAKES FL 346386115, LAND O LAKES, FL 34638-6115 |
| Document Number | 0101651543 |
|---|---|
| Date | Aug 27, 2020 |
| Book Page | 010165/001543 |
| Instrument | 140727 |
| Name | JP MORGAN MTG ACQUISITION |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 26, 2040 |
| Rate | 3.75% |
|---|
The 2025 property tax bill for 18325 Fish Loop was $3,959 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 | $3,959.00 Homeowner's exemption | $260,108 Land $62,313 Building $197,795 | $260,108 Land $62,313 Building $197,795 |
| 2023 | $1,928.00 (+10.3%) Additional exemption filed | $151,960 (+3%) Land $48,903 Building $103,057 | $274,692 (+17.18%) Land $48,903 Building $225,789 |
| 2022 | $1,748.00 Homeowner's exemption | $147,540 Land $41,208 Building $106,332 | $234,428 Land $41,208 Building $193,220 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 18325 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 18325 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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