3012 Silvermill Loop, Land O Lakes, FL 34638 Property Records

Pasco County property record for 3012 Silvermill Loop, Land O Lakes, FL 34638

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,839 sqft · built 2008
Lot Size	0.152 acres (6,649 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Jul 2017)
Tax Bill	$2,389 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Mar 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`23-26-18-0080-00800-0170`

Property Details

APN / Parcel Number

Primary APN	`23-26-18-0080-00800-0170`
Alternative APN	`1034506`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,839 sqft Living Area
Gross Area	2,519 sqft
1st Floor Area	1,839 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Exterior Material	Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,649 sqft (0.152 acres)
Garage Area	418 sqft
Driveway	Driveway
Driveway Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	285 sqft
Porch	Porch
Porch Area	262 sqft
Patio Area	301 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	1034506
Street Address	3012 SILVERMILL LOOP
City	LAND O LAKES
State	FL
Zip	34638-6068
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MPUD
Legal Description	STONEGATE PHASE 1 PB 56 PG 041 LOT 17 BLOCK 8 OR 9581 PG 830
Legal Range	18E
Legal Township	26S
Legal Section	23
Legal Subdivision	STONEGATE
Legal Phase	1
Legal Tract	80
Legal Block	8
Legal Lot Number	17
Jurisdiction	PASCO FL
Township / Civil Division	NEW PORT RICHEY
Census Block Group	4
Census Block	4010
Census Tract	31604

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	2 Individual Names on Record
Mailing Address	3012 SILVERMILL LOOP, LAND O LAKES, FL 34638-6068
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
Mar 14, 2022	Deed of Trust, Mortgage · FHA Mortgage LOWER LLC
Nov 16, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 13, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 31, 2017	Warranty Deed, Transfer · FHA Mortgage AMERICAN EAGLE MTG/FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2017 · Amount on Record
Deed Sale	Jul 31, 2017 · Amount on Record
Prior Sale	Nov 12, 2008 · Amount on Record
Deed Document Number	2017119609
Deed Book / Page	9581 / 0830
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	3012 SILVERMILL LOOP, LAND O LAKES, FL 34638-6068
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3012 SILVERMILL LOOP, LAND O LAKES, FL 34638-6068

Mortgage

Document Number	0113643077
Date	Feb 13, 2026
Book Page	11364/3077
Instrument	2026028235

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	3012 SILVERMILL LOOP, LAND O LAKES, FL 34638-6068
Transaction Type	Mortgage
Record Updated	Mar 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3012 SILVERMILL LOOP, LAND O LAKES, FL 34638-6068

Mortgage

Document Number	0105700557
Date	Mar 14, 2022
Book Page	10570/557
Instrument	2022059357

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	3012 SILVERMILL LOOP, LAND O LAKES, FL 34638-6068
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0102143942
Date	Nov 16, 2020
Book Page	10214/3942
Instrument	2020192352

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	3012 SILVERMILL LOOP, LAND O LAKES, FL 34638-6068
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100213173
Date	Dec 13, 2019
Book Page	10021/3173
Instrument	2019211759

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Jul 31, 2017
Property Address	3012 SILVERMILL LOOP, LAND O LAKES, FL 34638-6068
Document Number	0095810830
Book / Page	009581 / 000830
Instrument Date	Jul 26, 2017
Instrument	119609
Transaction Type	Transfer
Record Updated	Aug 30, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3012 SILVERMILL LOOP LAND O LAKES FL 346386068, LAND O LAKES, FL 34638-6068

Mortgage

Document Number	95810835
Date	Jul 31, 2017
Book Page	009581/000835
Instrument	119610

Lender

Name	AMERICAN EAGLE MTG/FL
Address	LORAIN, OH 44053

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2047

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	$2,389.00 (+7.08%) Homeowner's exemption	$170,780 (+5.98%) Land $76,331 Building $94,449	$373,378 (+4.86%) Land $76,331 Building $297,047
2023	$2,231.00 (+11.83%) Additional exemption filed	$161,140 (+3%) Land $66,689 Building $94,451	$356,081 (+9%) Land $66,689 Building $289,392
2022	$1,995.00 Homeowner's exemption	$156,450 Land $55,586 Building $100,864	$326,684 Land $55,586 Building $271,098

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 33 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	33 in force

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 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 268 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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