Pasco County property record for 20908 Ruby Red Way, Land O Lakes, FL 34637
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,038 sqft · built 2005 |
| Lot Size | 0.159 acres (6,910 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $410,000 (Mar 2023) |
| Tax Bill | $6,444 (2025) |
| Deeds & Mortgages | Mar 2023 Sale Jul 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-25-18-0010-00I00-0020 |
| Primary APN | 35-25-18-0010-00I00-0020 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,038 sqft Living Area |
| Gross Area | 2,532 sqft |
| 1st Floor Area | 2,038 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,910 sqft (0.159 acres) |
| Garage Type | Attached |
| Garage Area | 494 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 496 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 420 sqft |
| Deck Area | Deck Area |
| Patio Area | 490 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 20908 RUBY RED WAY |
|---|---|
| City | LAND O LAKES |
| State | FL |
| Zip | 34637-7423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MPUD |
| Legal Description | GROVES - PHASE IA PB 39 PG 120 BLOCK I LOT 2 |
| Legal Range | 18E |
| Legal Township | 25S |
| Legal Section | 35 |
| Legal Subdivision | GROVES |
| Legal Tract | 10 |
| Legal Block | I |
| Legal Lot Number | 2 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | CENTRAL PASCO |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 31902 |
20908 Ruby Red Way is owner-occupied and held in a trust since March 2023.
Source: Pasco County records, as of December 29, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 20908 RUBY RED WAY, LAND O LAKES, FL 34637-7423 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 |
|---|---|
| Mar 15, 2023 | Warranty Deed, Transfer LUTZ TITLE AND ESCROW LLC |
| Jul 18, 2022 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 15, 2023 · Amount on File |
| Deed Sale | Mar 15, 2023 · Amount on File |
| Prior Sale | Jul 18, 2005 · Amount on File |
| Deed Document Number | 202345354 |
| Deed Book / Page | 10782 / 1537 |
| Prior Transfer Date | Jul 7, 2022 |
| Prior Transfer Doc | 0106530986 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Mar 15, 2023 |
| Property Address | 20908 RUBY RED WAY, LAND O LAKES, FL 34637-7423 |
| Document Number | 0107821537 |
| Book / Page | 10782 / 1537 |
| Map Reference | MB 39 PG 120 |
| Instrument Date | Mar 9, 2023 |
| Instrument | 2023045354 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | LUTZ TITLE AND ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $2,870.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12304 TERRACINA CHASE CT, TAMPA, FL 33625-3000 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 20908 RUBY RED WAY, LAND O LAKES, FL 34637-7423 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Jul 18, 2022 |
| Property Address | 20908 RUBY RED WAY, LAND O LAKES, FL 34637-7423 |
| Document Number | 0106530986 |
| Book / Page | 10653 / 986 |
| Map Reference | MB 39 PG 120-149 |
| Instrument Date | Jul 7, 2022 |
| Instrument | 2022155331 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20908 RUBY RED WAY, LAND O LAKES, FL 34637-7423 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 20908 RUBY RED WAY, LAND O LAKES, FL 34637-7423 |
The 2025 property tax bill for 20908 Ruby Red Way was $6,444 with a homeowner's exemption, up 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 | $254,320 (+2.9%) | $373,207 (-0.17%) Land $73,937 Building $299,270 | |
| 2025 | $6,444.00 (+3.02%) Homeowner's exemption | $247,160 Land $73,937 Building $173,223 | $373,834 Land $73,937 Building $299,897 |
| 2024 | $6,255.00 (+28.15%) | ||
| 2023 | $4,881.00 (+8.93%) Additional exemption filed | $183,710 (+3%) Land $73,937 Building $109,773 | $348,136 (+11.07%) Land $73,937 Building $274,199 |
| 2022 | $4,481.00 Homeowner's exemption | $178,360 Land $61,637 Building $116,723 | $313,437 Land $61,637 Building $251,800 |
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 20908 Ruby Red Way in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 183 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 183 in force |
| Nearby Flood Claims | 3 (2004–2024) |
| Claims Outside the SFHA | 1 of 3 |
| 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 20908 Ruby Red Way is low, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | None beyond ember reach |
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 372 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 |
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