Pasco County property record for 20809 Cedar Bluff Pl, Land O Lakes, FL 34638
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 3,181 sqft · built 2006 |
| Lot Size | 0.203 acres (8,855 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $670,000 (Apr 2024) |
| Tax Bill | $6,026 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-26-18-0090-01100-0140 |
| Primary APN | 14-26-18-0090-01100-0140 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,181 sqft Living Area |
| Gross Area | 4,191 sqft |
| 1st Floor Area | 2,758 sqft |
| Upper Floors Area | 423 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,855 sqft (0.203 acres) |
| Garage Area | 620 sqft |
| Driveway | Driveway |
| Driveway Area | 859 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 392 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 390 sqft |
| Patio Area | 748 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 0992001 |
|---|---|
| Street Address | 20809 CEDAR BLUFF PL |
| City | LAND O LAKES |
| State | FL |
| Zip | 34638-3714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MPUD |
| Legal Description | LAKE TALIA PHASE 1 PB 52 PG 001 BLOCK 11 LOT 14 OR 7049 PG 516 |
| Legal Range | 18E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | LAKE TALIA |
| Legal Phase | 1 |
| Legal Tract | 90 |
| Legal Block | 11 |
| Legal Lot Number | 14 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | CENTRAL PASCO |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 32001 |
Source: Pasco County records, as of December 19, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 20809 CEDAR BLUFF PL, LAND O LAKES, FL 34638-3714 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 17, 2024 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 17, 2024 · Amount on Record |
| Deed Sale | Apr 17, 2024 · Amount on Record |
| Prior Sale | Jun 22, 2006 · Amount on Record |
| Deed Document Number | 2024064244 |
| Deed Book / Page | 10993 / 1261 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 20809 CEDAR BLUFF PL, LAND O LAKES, FL 34638-3714 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2024 |
| Name | Verified Name |
|---|---|
| Address | 20809 CEDAR BLUFF PL, LAND O LAKES, FL 34638-3714 |
| Document Number | 0109931262 |
|---|---|
| Date | Apr 17, 2024 |
| Book Page | 10993/1262 |
| Instrument | 2024064245 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1050 WOODWARD AVE, DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 20809 CEDAR BLUFF PL, LAND O LAKES, FL 34638-3714 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2021 |
| Name | Verified Name |
|---|---|
| Address | 20809 CEDAR BLUFF PL, LAND O LAKES, FL 34638-3714 |
| Document Number | 0103981009 |
|---|---|
| Date | Jul 22, 2021 |
| Book Page | 10398/1009 |
| Instrument | 2021153429 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | LAKE MARY, FL 32746 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
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 | $6,026.00 (+51.37%) Homeowner's exemption | $373,548 (+48.56%) Land $91,029 Building $282,519 | $542,678 (+6.08%) Land $91,029 Building $451,649 |
| 2023 | $3,981.00 (+10.64%) Additional exemption filed | $251,440 (+3%) Land $72,257 Building $179,183 | $511,579 (+10.58%) Land $72,257 Building $439,322 |
| 2022 | $3,598.00 Homeowner's exemption | $244,120 Land $60,214 Building $183,906 | $462,648 Land $60,214 Building $402,434 |
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.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 83 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 83 in force |
| Nearby Flood Claims | 18 (1992–2024) |
| Claims Outside the SFHA | 1 of 18 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · lower than 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 |
| AT&T Fixed Wireless | 100 / 20 |
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