3028 Silvermill Loop, Land O Lakes, FL 34638 Property Records

Pasco County property record for 3028 Silvermill Loop, Land O Lakes, FL 34638

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,391 sqft · built 2007
Lot Size	0.352 acres (15,310 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Mar 2021)
Tax Bill	$6,676 (2025)
Deeds & Mortgages	Mar 2021 Second Mortgage Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-26-18-0080-00800-0210`

Property Details

APN / Parcel Number

Primary APN	`23-26-18-0080-00800-0210`
Alternative APNs	`1826230080008000210` `1034510`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,391 sqft Living Area
Gross Area	2,831 sqft
1st Floor Area	2,238 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,310 sqft (0.352 acres)
Garage Type	Attached
Garage Area	440 sqft
Driveway	Concrete Driveway
Driveway Area	569 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	188 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3028 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 BLOCK 8 LOT 21
Legal Range	18E
Legal Township	26S
Legal Section	23
Legal Subdivision	STONEGATE
Legal Tract	80
Legal Block	8
Legal Lot Number	21
Jurisdiction	PASCO FL
Township / Civil Division	NEW PORT RICHEY
Census Block Group	4
Census Block	4010
Census Tract	31604

Owner

3028 Silvermill Loop is owned and occupied by two individuals who bought it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3028 SILVERMILL LOOP, LAND O LAKES, FL 34638-6068
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FLORIDA HOUSING FINANCE CORP
Mar 1, 2021	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Jun 25, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2021 · Amount on File
Deed Sale	Mar 1, 2021 · Amount on File
Prior Sale	Jun 25, 2018 · Amount on File
Deed Document Number	202139939
Deed Book / Page	10289 / 576
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	3028 SILVERMILL LOOP, LAND O LAKES, FL 34638-6068
Transaction Type	Mortgage
Record Updated	Mar 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3028 SILVERMILL LOOP, LAND O LAKES, FL 34638-6068

Mortgage

Document Number	0102890591
Date	Mar 1, 2021
Book Page	10289/591
Instrument	2021039941

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Funding / Finance Company
Address	TALLAHASSEE, FL 32301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Mar 1, 2021
Property Address	3028 SILVERMILL LOOP, LAND O LAKES, FL 34638-6068
Document Number	0102890576
Book / Page	10289 / 576
Map Reference	MB 56 PG 41-63
Instrument Date	Feb 25, 2021
Instrument	2021039939
Transaction Type	Transfer
Record Updated	Dec 13, 2021
Title Company	ELITE TITLE NTWK LLC, ELITE TITLE NETWORK LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2259 PARK CRESCENT DR, 2259, LAND O LAKES, FL 34639-5471

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3028 SILVERMILL LOOP, LAND O LAKES, FL 34638-6068

Mortgage

Document Number	10289578
Date	Mar 1, 2021
Instrument	10289/578

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

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

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Jun 25, 2018
Property Address	3028 SILVERMILL LOOP, LAND O LAKES, FL 34638-6068
Document Number	0097460298
Book / Page	009746 / 000298
Instrument Date	Jun 19, 2018
Instrument	106484
Transaction Type	Transfer
Record Updated	Jul 6, 2018
Title Company	SOUTHERN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,226.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3028 SILVERMILL LOOP LAND O LAKES FL 346386068, LAND O LAKES, FL 34638-6068

Mortgage

Document Number	97460299
Date	Jun 25, 2018
Book Page	009746/000299
Instrument	106485

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3028 Silvermill Loop was $6,676 with a homeowner's exemption, up 2.4% from the year before.

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		$438,040 (+2.9%)	$454,752 (-0.19%) Land $113,842 Building $340,910
2025	$6,676.00 (+2.36%) Homeowner's exemption	$425,700 Land $113,842 Building $311,858	$455,596 Land $113,842 Building $341,754
2024	$6,522.00 (+3.7%)
2023	$6,289.00 (+11.13%) Additional exemption filed	$401,660 (+3%) Land $99,142 Building $302,518	$430,522 (+10.4%) Land $99,142 Building $331,380
2022	$5,659.00 Homeowner's exemption	$389,968 Land $83,342 Building $306,626	$389,968 Land $83,342 Building $306,626

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

Flood

FEMA maps place 3028 Silvermill Loop 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 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

Wildfire risk around 3028 Silvermill Loop is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 71% 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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