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18532 Merseyside Loop, Land O Lakes, FL 34638 Property Records

Pasco County property record for 18532 Merseyside Loop, Land O Lakes, FL 34638

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,712 sqft · built 2006
Lot Size0.135 acres (5,869 sqft)
Owner2 Individual Names on File
Last Sale$125,000 (Sep 2010)
Tax Bill$4,509 (2025)
Deeds & MortgagesSep 2025 Line of Credit
Flood ZoneZone X (minimal risk)
APN21-26-18-0010-00F00-0510

Property Details

APN / Parcel Number

Primary APN21-26-18-0010-00F00-0510
Alternative APNs
  • 182621001000F000510
  • 1014001

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,712 sqft Living Area
Gross Area2,112 sqft
1st Floor Area1,712 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2012
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area5,869 sqft (0.135 acres)
Garage TypeAttached
Garage Area400 sqft
DrivewayConcrete Driveway
Driveway Area597 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area164 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address18532 MERSEYSIDE LOOP
CityLAND O LAKES
StateFL
Zip34638-7956
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMPUD
Legal DescriptionCONCORD STATION PHASE 1 UNITS C D E & F PB 55 PG 062 BLOCK F LOT 51 OR 8412 PG 1443
Legal Range18E
Legal Township26S
Legal Section21
Legal SubdivisionCONCORD STATION
Legal Tract10
Legal BlockF
Legal Lot Number51
JurisdictionPASCO FL
Township / Civil DivisionNEW PORT RICHEY
Census Block Group1
Census Block1015
Census Tract31603

Owner

18532 Merseyside Loop is owned and occupied by two individuals who bought it in September 2010.

Source: Pasco County records, as of May 21, 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 Address18532 MERSEYSIDE LOOP, LAND O LAKES, FL 34638-7956
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 3, 2010 · Amount on File
Deed SaleSep 3, 2010 · Amount on File
Prior SaleJul 9, 2010 · Amount on File
Deed Document Number2010126996
Deed Book / Page8412 / 1443
Record UpdatedOct 29, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPASCO FL
Property Address18532 MERSEYSIDE LOOP, LAND O LAKES, FL 34638-7956
Transaction TypeMortgage
Record UpdatedDec 22, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address18532 MERSEYSIDE LOOP, LAND O LAKES, FL 34638-7956

Mortgage

Document Number0112730843
DateSep 3, 2025
Book Page11273/843
Instrument2025167047
Lender
NameTRUIST BANK
TypeBank
AddressWHITEVILLE, NC 28472
Agreement
TypeLine of Credit
AmountAmount on Record
Term359 Months
DueAug 15, 2055
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

The 2025 property tax bill for 18532 Merseyside Loop was $4,509 with a homeowner's exemption, up 1.3% from the year before.

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$151,800 (+2.89%)$318,518 (-0.28%) Land $76,680 Building $241,838
2025$4,509.00 (+1.26%) Homeowner's exemption$147,530 Land $76,680 Building $70,850$319,399 Land $76,680 Building $242,719
2024$4,453.00 (+1.85%)
2023$4,372.00 (+8%) Additional exemption filed$139,210 (+3%) Land $59,130 Building $80,080$318,874 (+20.33%) Land $59,130 Building $259,744
2022$4,048.00 Homeowner's exemption$135,160 Land $49,380 Building $85,780$265,009 Land $49,380 Building $215,629

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

Flood

FEMA maps place 18532 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 115 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies115 in force
Nearby Flood Claims3 (2015–2017)
Claims Outside the SFHA3 of 3
Most Recent ClaimSep 2017 · Hurricane Irma
Claims by Event
  • Hurricane Irma, Sep 2017 · 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 18532 Merseyside Loop is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire RiskModerate
above 44% of the US · lower than 85% of Florida
Wildfire Likelihood0.07% 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 238 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
AT&T
Fixed Wireless		100 / 20

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