20902 Cedar Bluff Pl, Land O Lakes, FL 34638 Property Records

Pasco County property record for 20902 Cedar Bluff Pl, Land O Lakes, FL 34638

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,755 sqft · built 2006
Lot Size	0.207 acres (9,027 sqft)
Owner	Individual Name on Record
Last Sale	$433,152 (May 2006)
Tax Bill	$3,628 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-26-18-0090-01000-0280`

Property Details

APN / Parcel Number

Primary APN	`14-26-18-0090-01000-0280`
Alternative APN	`0991809`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,755 sqft Living Area
Gross Area	3,869 sqft
1st Floor Area	2,755 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,027 sqft (0.207 acres)
Garage Area	635 sqft
Driveway	Driveway
Driveway Area	859 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	479 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	0991809
Street Address	20902 CEDAR BLUFF PL
City	LAND O LAKES
State	FL
Zip	34638-3712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MPUD
Legal Description	LAKE TALIA PHASE 1 PB 52 PG 001 BLOCK 10 LOT 28 OR 6962 PG 1399
Legal Range	18E
Legal Township	26S
Legal Section	14
Legal Subdivision	LAKE TALIA
Legal Phase	1
Legal Tract	90
Legal Block	10
Legal Lot Number	28
Jurisdiction	PASCO FL
Township / Civil Division	CENTRAL PASCO
Census Block Group	1
Census Block	1020
Census Tract	32001

Owner

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	20902 CEDAR BLUFF PL, LAND O LAKES, FL 34638-3712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2006 · Amount on Record
Deed Sale	May 1, 2006 · Amount on Record
Deed Document Number	2006088527
Deed Book / Page	6962 / 1399
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	20902 CEDAR BLUFF PL, LAND O LAKES, FL 34638-3712
Transaction Type	Mortgage
Record Updated	Mar 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20902 CEDAR BLUFF PL, LAND O LAKES, FL 34638-3712

Mortgage

Document Number	0102903387
Date	Mar 2, 2021
Book Page	10290/3387
Instrument	2021041410

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Pasco County
Unified School District	Pasco County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,628.00 (+6.36%) Homeowner's exemption	$235,950 (+5.98%) Land $100,189 Building $135,761	$486,299 (+7.24%) Land $100,189 Building $386,110
2023	$3,411.00 (+8.25%) Additional exemption filed	$222,630 (+3%) Land $79,489 Building $143,141	$453,471 (+11.43%) Land $79,489 Building $373,982
2022	$3,151.00 Homeowner's exemption	$216,150 Land $66,259 Building $149,891	$406,967 Land $66,259 Building $340,708

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

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 100 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	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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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