Pasco County property record for 3034 Trinity Cottage Dr, Land O Lakes, FL 34638
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,913 sqft · built 2008 |
| Lot Size | 0.143 acres (6,217 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $215,000 (Jul 2008) |
| Tax Bill | $4,635 (2025) |
| Deeds & Mortgages | Sep 2022 Second Mortgage Feb 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-26-18-0030-00F00-0110 |
| Primary APN | 21-26-18-0030-00F00-0110 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,913 sqft Living Area |
| Gross Area | 2,331 sqft |
| 1st Floor Area | 1,913 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,217 sqft (0.143 acres) |
| Garage Type | Attached |
| Garage Area | 418 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 557 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 3034 TRINITY COTTAGE DR |
|---|---|
| City | LAND O LAKES |
| State | FL |
| Zip | 34638-8136 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MPUD |
| Legal Description | CONCORD STATION PHASE 4 UNITS A & B PB 60 PG 110 BLOCK F LOT 11 OR 7873 PG 1372 |
| Legal Range | 18E |
| Legal Township | 26S |
| Legal Section | 21 |
| Legal Subdivision | CONCORD STATION |
| Legal Tract | 30 |
| Legal Block | F |
| Legal Lot Number | 11 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | NEW PORT RICHEY |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 31603 |
3034 Trinity Cottage Dr is owned and occupied by two individuals who bought it in July 2008.
Source: Pasco County records, as of July 13, 2026
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 Individual Names on File |
|---|---|
| Mailing Address | 3034 TRINITY COTTAGE DR, LAND O LAKES, FL 34638-8136 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage POINT DIGITAL FINANCE INC |
| Feb 26, 2018 | Loan Modification, Mortgage · FHA Mortgage FREEDOM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2008 · Amount on File |
| Deed Sale | Jul 1, 2008 · Amount on File |
| Deed Document Number | 200897320 |
| Deed Book / Page | 7873 / 1372 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 3034 TRINITY COTTAGE DR, LAND O LAKES, FL 34638-8136 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3034 TRINITY COTTAGE DR, LAND O LAKES, FL 34638-8136 |
| Document Number | 0106920429 |
|---|---|
| Date | Sep 15, 2022 |
| Book Page | 10692/429 |
| Instrument | 2022204177 |
| Name | POINT DIGITAL FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | PALO ALTO, CA 94302 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 3, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 3034 TRINITY COTTAGE DR, LAND O LAKES, FL 34638-8136 |
| Document Number | 0096921253 |
| Instrument Date | Feb 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3034 TRINITY COTTAGE DR LAND O LAKES FL 346388136, LAND O LAKES, FL 34638-8136 |
| Document Number | 0096921253 |
|---|---|
| Date | Mar 14, 2018 |
| Book Page | 009692/001253 |
| Instrument | 42931 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | FISHERS, IN 46037 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 13, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
The 2025 property tax bill for 3034 Trinity Cottage Dr was $4,635 with a homeowner's exemption.
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 | $159,190 (+2.7%) | $331,653 (+1%) Land $73,492 Building $258,161 | |
| 2025 | $4,635.00 Homeowner's exemption | $155,010 Land $73,492 Building $81,518 | $328,373 Land $73,492 Building $254,881 |
| 2023 | $4,491.00 (+8.06%) Additional exemption filed | $146,270 (+3%) Land $55,992 Building $90,278 | $328,113 (+17%) Land $55,992 Building $272,121 |
| 2022 | $4,156.00 Homeowner's exemption | $142,010 Land $46,792 Building $95,218 | $280,436 Land $46,792 Building $233,644 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3034 Trinity Cottage Dr 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 115 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 115 in force |
| Nearby Flood Claims | 3 (2015–2017) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| 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 3034 Trinity Cottage Dr is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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.
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 102 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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