Pasco County property record for 18508 Merseyside Loop, Land O Lakes, FL 34638
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,791 sqft · built 2006 |
| Lot Size | 0.136 acres (5,930 sqft) |
| Owner | Individual Name on File |
| Last Sale | $400,000 (Aug 2025) |
| Tax Bill | $7,354 (2025) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage Dec 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-26-18-0010-00F00-0450 |
| Primary APN | 21-26-18-0010-00F00-0450 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,791 sqft Living Area |
| Gross Area | 2,329 sqft |
| 1st Floor Area | 1,162 sqft |
| Upper Floors Area | 629 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,930 sqft (0.136 acres) |
| Garage Area | 418 sqft |
| Driveway | Driveway |
| Driveway Area | 597 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 120 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 1013908 |
|---|---|
| Street Address | 18508 MERSEYSIDE LOOP |
| City | LAND O LAKES |
| State | FL |
| Zip | 34638-7956 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MPUD |
| Legal Description | CONCORD STATION PHASE 1 UNITS C D E & F PB 55 PG 062 BLOCK F LOT 45 |
| Legal Range | 18E |
| Legal Township | 26S |
| Legal Section | 21 |
| Legal Subdivision | CONCORD STATION |
| Legal Phase | 1 |
| Legal Tract | 10 |
| Legal Block | F |
| Legal Lot Number | 45 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | NEW PORT RICHEY |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 31603 |
18508 Merseyside Loop is owned and occupied by an individual who bought it in August 2025.
Source: Pasco County records, as of December 19, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 18508 MERSEYSIDE LOOP, LAND O LAKES, FL 34638-7956 |
| 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 |
|---|---|
| Aug 21, 2025 | Warranty Deed, Transfer · FHA Mortgage MILLENIUM HOME MORTGAGE LLC |
| Dec 9, 2022 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2025 · Amount on File |
| Deed Sale | Aug 21, 2025 · Amount on File |
| Prior Sale | Dec 9, 2022 · Amount on File |
| Deed Document Number | 2025159922 |
| Deed Book / Page | 11267 / 1242 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Aug 21, 2025 |
| Property Address | 18508 MERSEYSIDE LOOP, LAND O LAKES, FL 34638-7956 |
| Document Number | 0112671242 |
| Book / Page | 11267 / 1242 |
| Map Reference | MB 55 PG 62-74 |
| Instrument Date | Aug 12, 2025 |
| Instrument | 2025159922 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2025 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20891 MORGAN RD, LAND O LAKES, FL 34638-4377 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 18508 MERSEYSIDE LOOP, LAND O LAKES, FL 34638-7956 |
| Document Number | 0112671244 |
|---|---|
| Date | Aug 21, 2025 |
| Instrument | 11267/1244 |
| Name | MILLENIUM HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Dec 9, 2022 |
| Property Address | 18508 MERSEYSIDE LOOP, LAND O LAKES, FL 34638-7956 |
| Document Number | 0107353358 |
| Book / Page | 10735 / 3358 |
| Map Reference | MB 55 PG 62 |
| Instrument Date | Dec 6, 2022 |
| Instrument | 2022258532 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,625.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 18932 ADDISON LAKE DR # DR1111, DR1111, LAND O LAKES, FL 34638-7518 |
| Name | Verified Name |
|---|---|
| Address | 18508 MERSEYSIDE LOOP, LAND O LAKES, FL 34638-7956 |
| Document Number | 0107353360 |
|---|---|
| Date | Dec 9, 2022 |
| Instrument | 10735/3360 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
The 2025 property tax bill for 18508 Merseyside Loop was $7,354 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 | $7,354.00 Homeowner's exemption | $316,675 Land $76,717 Building $239,958 | $316,675 Land $76,717 Building $239,958 |
| 2023 | $7,314.00 (+56.12%) Additional exemption filed | $313,572 (+78.45%) Land $59,167 Building $254,405 | $313,572 (+17.71%) Land $59,167 Building $254,405 |
| 2022 | $4,685.00 Homeowner's exemption | $175,720 Land $49,417 Building $126,303 | $266,392 Land $49,417 Building $216,975 |
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 18508 Merseyside Loop in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 115 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 115 in force |
| Nearby Flood Claims | 3 (2015–2017) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
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 18508 Merseyside Loop is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 238 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 |
| AT&T Fixed Wireless | 100 / 20 |
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