Pasco County property record for 20849 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 | Company Name on File |
| Last Sale | $434,000 (Oct 2020) |
| Tax Bill | $5,895 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Oct 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-26-18-0090-01100-0190 |
| Primary APN | 14-26-18-0090-01100-0190 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,181 sqft Living Area |
| Gross Area | 3,801 sqft |
| 1st Floor Area | 2,758 sqft |
| Upper Floors Area | 423 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 | 620 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 876 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 288 sqft |
| Porch | Open Porch |
| Porch Area | 346 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 20849 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 19 |
| Legal Range | 18E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | LAKE TALIA |
| Legal Tract | 90 |
| Legal Block | 11 |
| Legal Lot Number | 19 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | CENTRAL PASCO |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 32001 |
20849 Cedar Bluff Pl is owned by a company that bought it in October 2020.
Source: Pasco County records, as of June 22, 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 Record | Company Name on File |
|---|---|
| Mailing Address | 20849 CEDAR BLUFF PL, LAND O LAKES, FL 34638-3714 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jun 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Oct 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC |
| Jan 10, 2019 | Intrafamily Transfer, Transfer · ARM SUCCESS MORTGAGE PARTNERS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 2020 · Amount on File |
| Deed Sale | Oct 30, 2020 · Amount on File |
| Prior Sale | Jun 1, 2006 · Amount on File |
| Deed Document Number | 2020183225 |
| Deed Book / Page | 10206 / 1724 |
| Prior Transfer Date | Jan 2, 2019 |
| Prior Transfer Doc | 0098432546 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 20849 CEDAR BLUFF PL, LAND O LAKES, FL 34638-3714 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0101152304 |
|---|---|
| Date | Jun 10, 2020 |
| Book Page | 10115/2304 |
| Instrument | 2020091209 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Oct 30, 2020 |
| Property Address | 20849 CEDAR BLUFF PL, LAND O LAKES, FL 34638-3714 |
| Document Number | 0102061724 |
| Book / Page | 10206 / 1724 |
| Map Reference | MB 52 PG 1 |
| Instrument Date | Oct 27, 2020 |
| Instrument | 2020183225 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2021 |
| Title Company | KEYSTONE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,038.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4509 LACE CASCADE CT, 4509, LUTZ, FL 33558-9097 |
| Name | Verified Name |
|---|---|
| Address | 20849 CEDAR BLUFF PL, LAND O LAKES, FL 34638-3714 |
| Document Number | 102061726 |
|---|---|
| Date | Oct 30, 2020 |
| Instrument | 10206/1726 |
| Name | NATIONS DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Jan 10, 2019 |
| Property Address | 20849 CEDAR BLUFF PL, LAND O LAKES, FL 34638-3714 |
| Document Number | 0098432546 |
| Book / Page | 9843 / 2546 |
| Map Reference | MB 52 PG 1 |
| Instrument Date | Jan 2, 2019 |
| Instrument | 2019005441 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2021 |
| Title Company | OMEGA TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20849 CEDAR BLUFF PL, LAND O LAKES, FL 34638-3714 |
| Document Number | 2019005442 |
|---|---|
| Date | Jan 10, 2019 |
| Instrument | 2019005442 |
| Name | SUCCESS MORTGAGE PARTNERS INC |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Type Change Date | Feb 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9.62% |
| Index | 1-Year LIBOR |
| Max Rate | 9.62% |
The 2025 property tax bill for 20849 Cedar Bluff Pl was $5,895, up 2.3% from the year before.
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 | $534,322 (+46.09%) Land $91,029 Building $443,293 | $534,322 (-0.91%) Land $91,029 Building $443,293 | |
| 2025 | $5,895.00 (+2.31%) | $365,740 Land $91,029 Building $274,711 | $539,229 Land $91,029 Building $448,200 |
| 2024 | $5,762.00 (+3.89%) | ||
| 2023 | $5,546.00 (+10.7%) Additional exemption filed | $344,150 (+3%) Land $72,257 Building $271,893 | $506,835 (+10.71%) Land $72,257 Building $434,578 |
| 2022 | $5,010.00 Homeowner's exemption | $334,130 Land $60,214 Building $273,916 | $457,792 Land $60,214 Building $397,578 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20849 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 20849 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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