31976 Watoga Loop, Wesley Chapel, FL 33543 Property Records

Pasco County property record for 31976 Watoga Loop, Wesley Chapel, FL 33543

Property Summary

Property Type	Single Family Home
Details	5 ba · 4,846 sqft · built 2017
Lot Size	0.198 acres (8,601 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Aug 2018)
Tax Bill	$12,819 (2025)
Deeds & Mortgages	May 2020 Mortgage Jun 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`35-26-20-0060-00200-0010`

Property Details

APN / Parcel Number

Primary APN	`35-26-20-0060-00200-0010`
Alternative APNs	`2026350060002000010` `0620509`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	4,846 sqft Living Area
Gross Area	5,464 sqft
1st Floor Area	2,234 sqft
Upper Floors Area	2,612 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,601 sqft (0.198 acres)
Garage Type	Attached
Garage Area	618 sqft
Driveway	Concrete Driveway
Driveway Area	863 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	312 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	31976 WATOGA LOOP
City	WESLEY CHAPEL
State	FL
Zip	33543-4032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MPUD
Legal Description	UNION PARK PHASE 1B PB 71 PG 032 BLOCK 2 LOT 1 OR 9774 PG 3957
Legal Range	20E
Legal Township	26S
Legal Section	35
Legal Subdivision	UNION PARK
Legal Tract	60
Legal Block	2
Legal Lot Number	1
Jurisdiction	PASCO FL
Township / Civil Division	CENTRAL PASCO
Census Block Group	3
Census Block	3032
Census Tract	32108

Owner

Source: Pasco County records, as of April 30, 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 Record
Mailing Address	31976 WATOGA LOOP, WESLEY CHAPEL, FL 33543-4032
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2020	Deed of Trust, Mortgage · VA Mortgage TRUIST BANK
Jun 1, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 21, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 20, 2018	Warranty Deed, Transfer BRANCH BK&TR
Jun 2, 2017	Grant Deed, Subdivision Related Transfer HILLSBOROUGH TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2018 · Amount on Record
Deed Sale	Aug 20, 2018 · Amount on Record
Prior Sale	May 1, 2017 · Amount on Record
Deed Document Number	2018140476
Deed Book / Page	9774 / 3957
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	31976 WATOGA LOOP, WESLEY CHAPEL, FL 33543-4032
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	BRIDGETRUST TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0101062975
Date	May 26, 2020
Book Page	10106/2975
Instrument	2020082733

Lender

Name	TRUIST BANK
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	31976 WATOGA LOOP, WESLEY CHAPEL, FL 33543-4032
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31976 WATOGA LOOP, WESLEY CHAPEL, FL 33543-4032

Mortgage

Document Number	0106242441
Date	Jun 1, 2022
Book Page	10624/2441
Instrument	2022121373

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 13, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	31976 WATOGA LOOP, WESLEY CHAPEL, FL 33543-4032
Document Number	0099540273
Instrument Date	Jun 21, 2019
Transaction Type	Mortgage
Record Updated	Aug 21, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1820 ODIORNE POINT LN WESLEY CHAPEL FL 335437177, WESLEY CHAPEL, FL 33543-7177

Mortgage

Document Number	0099540273
Date	Aug 12, 2019
Book Page	009954/000273
Instrument	135502

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Aug 20, 2018
Property Address	31976 WATOGA LOOP, WESLEY CHAPEL, FL 33543-4032
Document Number	0097743957
Book / Page	009774 / 003957
Instrument Date	Aug 15, 2018
Instrument	140476
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,570.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	31976 WATOGA LOOP WESLEY CHAPEL FL 335434032, WESLEY CHAPEL, FL 33543-4032

Mortgage

Document Number	97743958
Date	Aug 20, 2018
Book Page	009774/003958
Instrument	140477

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2048

June 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	PASCO FL
Recording Date	Jun 2, 2017
Property Address	31976 WATOGA LOOP, WESLEY CHAPEL, FL 33543-4032
Document Number	0095500230
Book / Page	009550 / 000230
Instrument Date	May 26, 2017
Instrument	84476
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 26, 2017
Title Company	HILLSBOROUGH TITLE INC

Transaction

Amount	Amount Recorded
Tax	$3,500.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	31976 WATOGA LOOP WESLEY CHAPEL FL 335434032, WESLEY CHAPEL, FL 33543-4032

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		$575,360 (+2.9%)	$710,043 (-2.39%) Land $101,611 Building $608,432
2025	$12,819.00 (+1.59%) Homeowner's exemption	$559,150 (+5.98%) Land $101,611 Building $457,539	$727,415 (-4.42%) Land $101,611 Building $625,804
2024	$12,618.00 (+2.49%)
2023	$12,312.00 (+9.63%) Additional exemption filed	$527,580 (+3%) Land $84,815 Building $442,765	$761,045 (+24.41%) Land $84,815 Building $676,230
2022	$11,231.00 Homeowner's exemption	$512,220 Land $70,831 Building $441,389	$611,735 Land $70,831 Building $540,904

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 398 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	398 in force
Nearby Flood Claims	29 (1997–2024)
Claims Outside the SFHA	11 of 29
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 12 claims Hurricane Irma, Sep 2017 · 4 claims Hurricane Frances, Sep 2004 · 5 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 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.1% 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.

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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