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32088 Conchshell Sail St, Wesley Chapel, FL 33545 Property Records

Pasco County property record for 32088 Conchshell Sail St, Wesley Chapel, FL 33545

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,756 sqft · built 2024
Lot Size0.243 acres (10,602 sqft)
OwnerIndividual Name on Record
Last Sale$504,500 (Mar 2024)
Tax Bill$10,355 (2025)
Deeds & MortgagesMar 2026 Mortgage
Mar 2024 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN23-25-20-0050-04000-0050

Property Details

APN / Parcel Number

Primary APN23-25-20-0050-04000-0050

Interior

Full Baths3 Baths
Stories2 Stories
Building Area2,756 sqft Living Area
Gross Area3,316 sqft
Upper Floors Area1,582 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2024
Exterior MaterialConcrete Block
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area10,602 sqft (0.243 acres)
Garage Area400 sqft
DrivewayDriveway
Driveway Area554 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Street Address32088 CONCHSHELL SAIL ST
CityWESLEY CHAPEL
StateFL
Zip33545-4954
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMPUD
Legal DescriptionEPPERSON NORTH VILLAGE A-1 A-2 A-3 A-4A & A-5 PB 87 PG 133 BLOCK 40 LOT 5
Legal Block40
Legal Lot Number5
JurisdictionPASCO FL
Township / Civil DivisionCENTRAL PASCO
Census Block Group1
Census Block1018
Census Tract32103

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address32088 CONCHSHELL SAIL ST, WESLEY CHAPEL, FL 33545-4954
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 6, 2026Deed of Trust, Mortgage · Conventional Mortgage
SOFI BANK NA
Mar 5, 2024Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
DHI MORTGAGE COMPANY LTD
Jun 9, 2023Special Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 5, 2024 · Amount on Record
Deed SaleMar 5, 2024 · Amount on Record
Prior SaleJun 9, 2023 · Amount on Record
Deed Document Number2024036213
Deed Book / Page10968 / 3707
Record UpdatedJun 8, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPASCO FL
Property Address32088 CONCHSHELL SAIL ST, WESLEY CHAPEL, FL 33545-4954
Transaction TypeMortgage
Record UpdatedMar 18, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address32088 CONCHSHELL SAIL ST, WESLEY CHAPEL, FL 33545-4954

Mortgage

Document Number0113762955
DateMar 6, 2026
Book Page11376/2955
Instrument2026041942
Lender
NameSOFI BANK NA
TypeBank
AddressSALT LAKE CITY, UT 84121
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2056

March 2024: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionPASCO FL
Recording DateMar 5, 2024
Property Address32088 CONCHSHELL SAIL ST, WESLEY CHAPEL, FL 33545-4954
Document Number0109683707
Book / Page10968 / 3707
Map ReferenceMB 87 PGS 133
Instrument DateFeb 28, 2024
Instrument2024036213
Transaction TypeSubdivision Related Transfer
Record UpdatedApr 23, 2024
Title CompanyDHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,531.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3501 RIGA BLVD STE 100, 100, TAMPA, FL 33619-1458

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address32088 CONCHSHELL SAIL ST, WESLEY CHAPEL, FL 33545-4954

Mortgage

Document Number2024036214
DateMar 5, 2024
Instrument2024036214
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2054

Mortgage

Document Number0109683708
DateMar 5, 2024
Book Page10968/3708
Instrument2024036214
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Address10700 PECAN PARK BLVD STE 450, AUSTIN, TX 78750
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2054

June 2023: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionPASCO FL
Recording DateJun 9, 2023
Property Address32088 CONCHSHELL SAIL ST, WESLEY CHAPEL, FL 33545-4954
Document Number0108323816
Book / Page10832 / 3816
Map ReferenceMB 87 PG 133-145
Instrument DateJun 7, 2023
Instrument2023103424
Transaction TypeTransfer
Record UpdatedFeb 9, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$4,216.80
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address2502 N ROCKY POINT DR STE 1050, 1050, TAMPA, FL 33607-5995

Transferred To (Grantee/Buyer)

NameVerified Name
Address3501 RIGA BLVD STE 100, 100, TAMPA, FL 33619-1333

Tax Assessment & Valuation

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$10,355.00 (+224%)$443,283 (+734.71%) Land $90,486 Building $352,797$443,283 (+734.71%) Land $90,486 Building $352,797
2023$3,196.00 (+859.76%)$53,106 (+15%) Land $53,106$53,106 (+15%) Land $53,106
2022$333.00$21,242$21,242 Land $21,242

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Record
median of 288 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies288 in force
Nearby Flood Claims5 (2024)
Claims Outside the SFHA1 of 5
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 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 RiskHigh
above 74% of the US · above 59% of Florida
Wildfire Likelihood0.5% annual chance
ExposureDirect
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 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 136 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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