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20038 Oriana Loop, Land O Lakes, FL 34638 Property Records

Pasco County property record for 20038 Oriana Loop, Land O Lakes, FL 34638

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,526 sqft
Lot Size0.172 acres (7,500 sqft)
OwnerIndividual Name on File
Last Sale$645,000 (Oct 2025)
Tax Bill$1,245 (2025)
Deeds & MortgagesOct 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN15-26-18-0140-00000-0350

Property Details

APN / Parcel Number

Primary APN15-26-18-0140-00000-0350

Interior

Full Baths3 Baths
Stories1 Story
Building Area2,526 sqft Living Area
Gross Area3,512 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Exterior MaterialConcrete Block
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area7,500 sqft (0.172 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Street Address20038 ORIANA LOOP
CityLAND O LAKES
StateFL
Zip34638-3866
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMPUD
Legal DescriptionOAKSTEAD ESTATES PB 93 PG 009 LOT 35
Legal SubdivisionOAKSTEAD
Legal Lot Number35
JurisdictionPASCO FL
Township / Civil DivisionNEW PORT RICHEY
Census Block Group1
Census Block1002
Census Tract31604

Owner

20038 Oriana Loop is owned and occupied by an individual who bought it in October 2025.

Source: Pasco County records, as of December 19, 2025

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address20038 ORIANA LOOP, LAND O LAKES, FL 34638-3866
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 30, 2025 · Amount on File
Deed SaleOct 30, 2025 · Amount on File
Deed Document Number2025206239
Deed Book / Page11307 / 1690
Record UpdatedJun 8, 2026

October 2025: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionPASCO FL
Recording DateOct 30, 2025
Property Address20038 ORIANA LOOP, LAND O LAKES, FL 34638-3866
Document Number0113071690
Book / Page11307 / 1690
Map ReferenceMB 93 PG 9
Instrument DateOct 29, 2025
Instrument2025206239
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 22, 2025
Title CompanyM I TITLE AGENCY LTD L C

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,515.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4211 W BOY SCOUT BLVD # BLVD300, BLVD300, TAMPA, FL 33607-5724

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address20038 ORIANA LOOP, LAND O LAKES, FL 34638-3866

Mortgage

Document Number0113071692
DateOct 30, 2025
Book Page11307/1692
Instrument2025206240
Lender
NameM/I FINANCIAL LLC
TypeFunding / Finance Company
AddressCOLUMBUS, OH 43219
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 20038 Oriana Loop was $1,245.

Source: Pasco County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,245.00$74,070 Land $74,070$74,070 Land $74,070

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 20038 Oriana 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 30 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies30 in force
Nearby Flood Claims2 (1988–2024)
Claims Outside the SFHA1 of 2
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

Wildfire risk around 20038 Oriana Loop is high, ranking above 77% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire RiskHigh
above 77% of the US · above 65% of Florida
Wildfire Likelihood0.4% annual chance
ExposureDirect
burnable vegetation

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 22 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Oriana Loop

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