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3043 Trinity Cottage Dr, Land O Lakes, FL 34638 Property Records

Pasco County property record for 3043 Trinity Cottage Dr, Land O Lakes, FL 34638

Property Summary

Property TypeSingle Family Home
Details3 ba · 1,827 sqft · built 2007
Lot Size0.187 acres (8,164 sqft)
OwnerIndividual Name on File
Last Sale$250,000 (Sep 2018)
Tax Bill$4,198 (2025)
Deeds & MortgagesMar 2022 Mortgage
Sep 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN21-26-18-0030-00G00-0060

Property Details

APN / Parcel Number

Primary APN21-26-18-0030-00G00-0060
Alternative APN
  • 1017203

Interior

Full Baths3 Baths
Stories1 Story
Building Area1,827 sqft Living Area
Gross Area2,344 sqft
1st Floor Area1,827 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Exterior MaterialConcrete Block
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area8,164 sqft (0.187 acres)
Garage Area361 sqft
DrivewayDriveway
Driveway Area559 sqft
Parking Spaces1 Parking Space
PorchPorch
Porch Area156 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Account Number1017203
Street Address3043 TRINITY COTTAGE DR
CityLAND O LAKES
StateFL
Zip34638-8137
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMPUD
Legal DescriptionCONCORD STATION PHASE 4 UNITS A & B PB 60 PG 110 BLOCK G LOT 6 OR 9793 PG 3090
Legal Range18E
Legal Township26S
Legal Section21
Legal SubdivisionCONCORD STATION
Legal Phase4
Legal Tract30
Legal BlockG
Legal Lot Number6
JurisdictionPASCO FL
Township / Civil DivisionNEW PORT RICHEY
Census Block Group1
Census Block1015
Census Tract31603

Owner

3043 Trinity Cottage Dr is owned and occupied by an individual who bought it in September 2018.

Source: Pasco County records, as of December 19, 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 RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address3043 TRINITY COTTAGE DR, LAND O LAKES, FL 34638-8137
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 11, 2022Deed of Trust, Mortgage · Conventional Mortgage
JPMORGAN CHASE BANK NA
Sep 26, 2018Warranty Deed, Transfer · Conventional Mortgage
WHITNEY BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 26, 2018 · Amount on File
Deed SaleSep 26, 2018 · Amount on File
Prior SaleJun 7, 2007 · Amount on File
Deed Document Number2018163668
Deed Book / Page9793 / 3090
Record UpdatedJun 8, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPASCO FL
Property Address3043 TRINITY COTTAGE DR, LAND O LAKES, FL 34638-8137
Transaction TypeMortgage
Record UpdatedMar 29, 2022
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3043 TRINITY COTTAGE DR, LAND O LAKES, FL 34638-8137

Mortgage

Document Number0105683569
DateMar 11, 2022
Book Page10568/3569
Instrument2022057858
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
AddressCOLUMBUS, OH 43240
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2052

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPASCO FL
Recording DateSep 26, 2018
Property Address3043 TRINITY COTTAGE DR, LAND O LAKES, FL 34638-8137
Document Number0097933090
Book / Page9793 / 3090
Map ReferenceMB 60 PG 110-129
Instrument DateSep 24, 2018
Instrument2018163668
Transaction TypeTransfer
Record UpdatedDec 13, 2021
Title CompanyMILESTONE TITLE SERVICES LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,750.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3043 TRINITY COTTAGE DR, 3043, LAND O LAKES, FL 34638-8137

Transferred To (Grantee/Buyer)

NameVerified Name
Address3043 TRINITY COTTAGE DR, LAND O LAKES, FL 34638-8137

Mortgage

Document Number2018163669
DateSep 26, 2018
Instrument2018163669
Lender
NameWHITNEY BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3043 Trinity Cottage Dr was $4,198 with a homeowner's exemption.

Source: Pasco County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyPasco County
Unified School DistrictPasco County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,198.00 Homeowner's exemption$129,040 Land $78,080 Building $50,960$325,294 Land $78,080 Building $247,214
2023$4,078.00 (+7.83%) Additional exemption filed$121,760 (+2.99%) Land $60,530 Building $61,230$324,505 (+17.73%) Land $60,530 Building $263,975
2022$3,782.00 Homeowner's exemption$118,220 Land $50,780 Building $67,440$275,634 Land $50,780 Building $224,854

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.

Flood

FEMA maps place 3043 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 115 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies115 in force
Nearby Flood Claims3 (2015–2017)
Claims Outside the SFHA3 of 3
Most Recent ClaimSep 2017 · Hurricane Irma
Claims by Event
  • Hurricane Irma, Sep 2017 · 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

Wildfire risk around 3043 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 RiskModerate
above 43% of the US · lower than 85% of Florida
Wildfire Likelihood0.07% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemPCUD-PASCO COUNTY REGIONAL PWS
serves 214,403 people · EPA ID FL6511361
Water SourcePurchased surface water from several systems
Last State InspectionJun 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityTotal trihalomethanes
not recorded as resolved · Jan 2026
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting10
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 102 locations within half a mile, as of December 31, 2025

ProviderMax 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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