Pasco County property record for 20817 Cedar Bluff Pl, Land O Lakes, FL 34638
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,249 sqft · built 2006 |
| Lot Size | 0.203 acres (8,855 sqft) |
| Owner | Individual Name on File |
| Last Sale | $560,000 (May 2026) |
| Tax Bill | $3,845 (2025) |
| Deeds & Mortgages | May 2026 Sale Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-26-18-0090-01100-0150 |
| Primary APN | 14-26-18-0090-01100-0150 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,249 sqft Living Area |
| Gross Area | 3,815 sqft |
| 1st Floor Area | 2,375 sqft |
| Upper Floors Area | 874 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,855 sqft (0.203 acres) |
| Garage Type | Attached |
| Garage Area | 566 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 859 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 419 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 20817 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 15 OR 7023 PG 138 |
| Legal Range | 18E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | LAKE TALIA |
| Legal Tract | 90 |
| Legal Block | 11 |
| Legal Lot Number | 15 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | CENTRAL PASCO |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 32001 |
20817 Cedar Bluff Pl is owned and occupied by an individual who bought it in May 2026.
Source: Pasco County records, as of June 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20817 CEDAR BLUFF PL, LAND O LAKES, FL 34638-3714 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
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 |
|---|---|
| May 22, 2026 | Warranty Deed, Transfer MASTERPIECE TITLE |
| Mar 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 22, 2026 · Amount on File |
| Deed Sale | May 22, 2026 · Amount on File |
| Prior Sale | Jun 6, 2006 · Amount on File |
| Deed Document Number | 202695771 |
| Deed Book / Page | 11425 / 1880 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | May 22, 2026 |
| Property Address | 20817 CEDAR BLUFF PL, LAND O LAKES, FL 34638-3714 |
| Document Number | 0114251880 |
| Book / Page | 11425 / 1880 |
| Instrument Date | May 19, 2026 |
| Instrument | 202695771 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2026 |
| Title Company | MASTERPIECE TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $395,920.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20817 CEDAR BLUFF PL, LAND O LAKES, FL 34638-3714 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 20817 CEDAR BLUFF PL, LAND O LAKES, FL 34638-3714 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0100781901 |
|---|---|
| Date | Mar 30, 2020 |
| Book Page | 10078/1901 |
| Instrument | 2020054524 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28262 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2035 |
The 2025 property tax bill for 20817 Cedar Bluff Pl was $3,845 with a homeowner's exemption.
Source: Pasco County assessment roll, as of December 29, 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 |
|---|---|---|---|
| 2026 | $250,950 (+2.9%) | $519,840 (-0.8%) Land $91,029 Building $428,811 | |
| 2025 | $3,845.00 Homeowner's exemption | $243,880 Land $91,029 Building $152,851 | $524,049 Land $91,029 Building $433,020 |
| 2023 | $3,622.00 (+10.66%) Additional exemption filed | $230,110 (+3%) Land $72,257 Building $157,853 | $491,815 (+11.1%) Land $72,257 Building $419,558 |
| 2022 | $3,273.00 Homeowner's exemption | $223,410 Land $60,214 Building $163,196 | $442,666 Land $60,214 Building $382,452 |
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 20817 Cedar Bluff Pl in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 20817 Cedar Bluff Pl is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.
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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