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20824 Cedar Bluff Pl, Land O Lakes, FL 34638 Property Records

Pasco County property record for 20824 Cedar Bluff Pl, Land O Lakes, FL 34638

Property Summary

Property TypeSingle Family Home
Details4 ba · 3,181 sqft · built 2006
Lot Size0.22 acres (9,625 sqft)
OwnerIndividual Name on File
Last Sale$637,500 (Apr 2025)
Tax Bill$9,635 (2025)
Deeds & MortgagesJun 2020 Sale & Mortgage
Jul 2017 Loan Modification
Flood ZoneZone X (minimal risk)
APN14-26-18-0090-01000-0240

Property Details

APN / Parcel Number

Primary APN14-26-18-0090-01000-0240
Alternative APN
  • 0991805

Interior

Full Baths4 Baths
Stories2 Stories
Building Area3,181 sqft Living Area
Gross Area4,286 sqft
1st Floor Area2,758 sqft
Upper Floors Area423 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Exterior MaterialStucco
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area9,625 sqft (0.22 acres)
Garage Area620 sqft
DrivewayDriveway
Driveway Area857 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area371 sqft
PorchPorch
Porch Area485 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Account Number0991805
Street Address20824 CEDAR BLUFF PL
CityLAND O LAKES
StateFL
Zip34638-3711
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMPUD
Legal DescriptionLAKE TALIA PHASE 1 PB 52 PG 001 BLOCK 10 LOT 24
Legal Range18E
Legal Township26S
Legal Section14
Legal SubdivisionLAKE TALIA
Legal Phase1
Legal Tract90
Legal Block10
Legal Lot Number24
JurisdictionPASCO FL
Township / Civil DivisionCENTRAL PASCO
Census Block Group1
Census Block1020
Census Tract32001

Owner

20824 Cedar Bluff Pl is owned and occupied by an individual who bought it in April 2025.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address20824 CEDAR BLUFF PL, LAND O LAKES, FL 34638-3711
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

DateDocument
Jun 24, 2020Warranty Deed, Transfer · Conventional Mortgage
LOANDEPOT.COM LLC
Jul 13, 2017Loan Modification, Mortgage
WELLS FARGO BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 10, 2025 · Amount on File
Deed SaleApr 10, 2025 · Amount on File
Prior SaleJun 24, 2020 · Amount on File
Deed Document Number2025069147
Deed Book / Page11191 / 903
Record UpdatedJun 8, 2026

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPASCO FL
Recording DateJun 24, 2020
Property Address20824 CEDAR BLUFF PL, LAND O LAKES, FL 34638-3711
Document Number0101241085
Book / Page010124 / 001085
Instrument DateJun 19, 2020
Instrument99885
Transaction TypeTransfer
Record UpdatedAug 5, 2020
Title CompanyAWS TITLE SERVICES LLC, AWS TITLE SVCS LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,646.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address20824 CEDAR BLUFF PL LAND O LAKES FL 346383711, LAND O LAKES, FL 34638-3711

Mortgage

Document Number101241087
DateJun 24, 2020
Book Page010124/001087
Instrument99886
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJun 23, 2050

July 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPASCO FL
Property Address20824 CEDAR BLUFF PL, LAND O LAKES, FL 34638-3711
Document Number0095911318
Instrument DateJul 13, 2017
Transaction TypeMortgage
Record UpdatedAug 24, 2018
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address18567 CORTES CREEK BLVD SPRING HILL FL 346100010, SPRING HILL, FL 34610-0010

Mortgage

Document Number0095911318
DateAug 17, 2017
Book Page009591/001318
Instrument130823
Lender
NameWELLS FARGO BK
TypeBank
AddressFORT MILL, SC 29715
Agreement
AmountAmount on Record
Term480 Months
DueAug 16, 2057
Interest
Rate TypeFixed Rate
Rate4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 20824 Cedar Bluff Pl was $9,635.

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$9,635.00$547,013 Land $92,970 Building $454,043$547,013 Land $92,970 Building $454,043
2023$4,112.00 (+10.66%) Additional exemption filed$259,200 (+3%) Land $73,890 Building $185,310$515,555 (+10.6%) Land $73,890 Building $441,665
2022$3,716.00 Homeowner's exemption$251,650 Land $61,650 Building $190,000$466,150 Land $61,650 Building $404,500

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.

Flood

FEMA maps place 20824 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 83 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies83 in force
Nearby Flood Claims18 (1992–2024)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 5 claims
  • Hurricane Irma, Sep 2017 · 3 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 20824 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 RiskModerate
above 60% of the US · lower than 66% of Florida
Wildfire Likelihood0.2% 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 264 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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