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18345 Fish Loop, Land O Lakes, FL 34638 Property Records

Pasco County property record for 18345 Fish Loop, Land O Lakes, FL 34638

Property Summary

Property TypeSingle Family Home
Details2.5 ba · 2,145 sqft · built 2010
Lot Size0.139 acres (6,050 sqft)
Owner2 Individual Names on File
Last Sale$273,000 (Feb 2020)
Tax Bill$3,703 (2025)
Deeds & MortgagesMar 2024 Mortgage
Nov 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN21-25-18-0010-02000-0120

Property Details

APN / Parcel Number

Primary APN21-25-18-0010-02000-0120
Alternative APNs
  • 1825210010020000120
  • 0922802

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,145 sqft Living Area
Gross Area2,545 sqft
1st Floor Area1,143 sqft
Upper Floors Area1,002 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2010
Effective Year BuiltEffective 2010
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area6,050 sqft (0.139 acres)
Garage TypeAttached
Garage Area400 sqft
DrivewayConcrete Driveway
Driveway Area565 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area152 sqft
Patio Area140 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address18345 FISH LOOP
CityLAND O LAKES
StateFL
Zip34638-6116
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMPUD
Legal DescriptionASBEL ESTATES PHASE 3 PB 59 PG 039 BLOCK 20 LOT 12
Legal Range18E
Legal Township25S
Legal Section21
Legal SubdivisionASBEL ESTATES
Legal Tract10
Legal Block20
Legal Lot Number12
JurisdictionPASCO FL
Township / Civil DivisionCENTRAL PASCO
Census Block Group1
Census Block1003
Census Tract31903

Owner

Source: Pasco County records, as of September 1, 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 Record2 Individual Names on File
Mailing Address18345 FISH LOOP, LAND O LAKES, FL 34638-6116
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 14, 2024Deed of Trust, Mortgage · FHA Mortgage
THE MORTGAGE FIRM INC
Nov 29, 2021Deed of Trust, Mortgage · FHA Mortgage
HOME POINT FINANCIAL CORPORATION
Feb 24, 2020Warranty Deed, Transfer · FHA Mortgage
SUMMIT MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 24, 2020 · Amount on File
Deed SaleFeb 24, 2020 · Amount on File
Prior SaleJul 21, 2010 · Amount on File
Deed Document Number202032039
Deed Book / Page10058 / 1198
Record UpdatedOct 29, 2026

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPASCO FL
Property Address18345 FISH LOOP, LAND O LAKES, FL 34638-6116
Transaction TypeMortgage
Record UpdatedApr 3, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address18345 FISH LOOP, LAND O LAKES, FL 34638-6116

Mortgage

Document Number0109760962
DateMar 14, 2024
Book Page10976/962
Instrument2024044220
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Address921 DOUGLAS AVE STE 200, ALTAMONTE SPRINGS, FL 32714
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2054

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPASCO FL
Property Address18345 FISH LOOP, LAND O LAKES, FL 34638-6116
Transaction TypeMortgage
Record UpdatedJan 28, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address18345 FISH LOOP, LAND O LAKES, FL 34638-6116

Mortgage

Document Number0104923939
DateNov 29, 2021
Book Page10492/3939
Instrument2021254306
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
AddressPARSIPPANY, NJ 07054
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2051

February 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPASCO FL
Recording DateFeb 24, 2020
Property Address18345 FISH LOOP, LAND O LAKES, FL 34638-6116
Document Number0100581198
Book / Page10058 / 1198
Map ReferenceMB 59 PG 39-52
Instrument DateFeb 14, 2020
Instrument2020032039
Transaction TypeTransfer
Record UpdatedDec 13, 2021
Title CompanyHILLSBOROUGH TITLE INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,911.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address19542 ROSEATE DR, 19542, LUTZ, FL 33558-2344

Transferred To (Grantee/Buyer)

NameVerified Name
Address18345 FISH LOOP, LAND O LAKES, FL 34638-6116

Mortgage

Document Number100581200
DateFeb 24, 2020
Instrument10058/1200
Lender
NameSUMMIT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2050

Tax Assessment & Valuation

Source: Pasco County assessment roll, as of December 29, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyPasco County
Unified School DistrictPasco County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$251,950 (+2.9%)$313,734 (-0.21%) Land $60,879 Building $252,855
2025$3,703.00 (+19.68%) Homeowner's exemption$244,850 (+5.99%) Land $60,879 Building $183,971$314,391 (-7.28%) Land $60,879 Building $253,512
2023$3,094.00 (+9.95%) Additional exemption filed$231,020 (+3%) Land $47,469 Building $183,551$339,084 (+17.66%) Land $47,469 Building $291,615
2022$2,814.00 Homeowner's exemption$224,300 Land $39,774 Building $184,526$288,200 Land $39,774 Building $248,426

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 46 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies46 in force
Nearby Flood Claims1 (2024)
Claims Outside the SFHA1 of 1
Most Recent ClaimOct 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

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

Wildfire RiskModerate
above 68% of the US · above 48% of Florida
Wildfire Likelihood0.3% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemPCUD-PASCO COUNTY REGIONAL PWS
serves 214,403 people · EPA ID FL6511361
Water SourcePurchased surface water from several systems
Last State InspectionJun 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityTotal trihalomethanes
not recorded as resolved · Jan 2026
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting10
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 264 locations within half a mile, as of December 31, 2025

ProviderMax 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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