20944 Ruby Red Way, Land O Lakes, FL 34637 Property Records

Pasco County property record for 20944 Ruby Red Way, Land O Lakes, FL 34637

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,054 sqft · built 2005
Lot Size	0.213 acres (9,281 sqft)
Owner	2 Company Names on Record
Last Sale	$315,000 (Feb 2006)
Tax Bill	$5,831 (2025)
Deeds & Mortgages	Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-25-18-0010-00I00-0080`

Property Details

APN / Parcel Number

Primary APN	`35-25-18-0010-00I00-0080`
Alternative APNs	`182535001000I000080` `0956906`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,054 sqft Living Area
Gross Area	2,548 sqft
1st Floor Area	2,034 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

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	9,281 sqft (0.213 acres)
Garage Type	Attached
Garage Area	494 sqft
Driveway	Concrete Driveway
Driveway Area	1,500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	154 sqft
Porch	Florida Room
Porch Area	319 sqft
Deck Area	Deck Area
Patio Area	491 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	20944 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 8
Legal Range	18E
Legal Township	25S
Legal Section	35
Legal Subdivision	GROVES
Legal Tract	10
Legal Block	I
Legal Lot Number	8
Jurisdiction	PASCO FL
Township / Civil Division	CENTRAL PASCO
Census Block Group	2
Census Block	2021
Census Tract	31902

Owner

Source: Pasco County records, as of December 29, 2025

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	2 Company Names on Record
Mailing Address	20944 RUBY RED WAY, LAND O LAKES, FL 34637-7423
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2006 · Amount on Record
Deed Sale	Feb 6, 2006 · Amount on Record
Deed Document Number	200623118
Deed Book / Page	6827 / 419
Last Transfer Date	Jul 15, 2024
Transfer Doc	0110652257
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	20944 RUBY RED WAY, LAND O LAKES, FL 34637-7423
Transaction Type	Mortgage
Record Updated	Mar 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0105702165
Date	Mar 14, 2022
Book Page	10570/2165
Instrument	2022059690

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

Source: Pasco County assessment roll, as of December 29, 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
2026		$221,950 (+2.9%)	$404,098 (-0.25%) Land $99,307 Building $304,791
2025	$5,831.00 (+3.17%)	$215,700 (+5.98%) Land $99,307 Building $116,393	$405,113 (+6.66%) Land $99,307 Building $305,806
2024	$5,652.00 (+10.15%)
2023	$5,131.00 (+7.46%) Additional exemption filed	$203,530 (+3%) Land $99,307 Building $104,223	$379,808 (+11.4%) Land $99,307 Building $280,501
2022	$4,775.00 Homeowner's exemption	$197,610 Land $82,787 Building $114,823	$340,944 Land $82,787 Building $258,157

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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	Hurricane Milton, Oct 2024 · 2 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 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	None beyond ember reach

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 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