32108 Watoga Loop, Wesley Chapel, FL 33543 Property Records

Pasco County property record for 32108 Watoga Loop, Wesley Chapel, FL 33543

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,577 sqft · built 2016
Lot Size	0.166 acres (7,270 sqft)
Owner	Individual Name on File
Last Sale	$600,000 (Sep 2021)
Tax Bill	$11,360 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-26-20-0060-00200-0090`

Property Details

APN / Parcel Number

Primary APN	`35-26-20-0060-00200-0090`
Alternative APN	`0620604`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,577 sqft Living Area
Gross Area	3,456 sqft
1st Floor Area	2,577 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,270 sqft (0.166 acres)
Garage Area	609 sqft
Driveway	Driveway
Driveway Area	791 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	208 sqft
Porch	Finished/Screened Porch
Porch Area	270 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	0620604
Street Address	32108 WATOGA LOOP
City	WESLEY CHAPEL
State	FL
Zip	33543-3998
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 9
Legal Range	20E
Legal Township	26S
Legal Section	35
Legal Subdivision	UNION PARK
Legal Phase	1B
Legal Tract	60
Legal Block	2
Legal Lot Number	9
Jurisdiction	PASCO FL
Township / Civil Division	CENTRAL PASCO
Census Block Group	3
Census Block	3032
Census Tract	32108

Owner

32108 Watoga Loop is owned by an individual who bought it in September 2021.

Source: Pasco County records, as of December 19, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5062 RAINTREE CT, DOYLESTOWN, PA 18902-6206
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
Sep 9, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2021 · Amount on File
Deed Sale	Sep 9, 2021 · Amount on File
Prior Sale	Jun 7, 2016 · Amount on File
Deed Document Number	2021191206
Deed Book / Page	10433 / 2554
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Sep 9, 2021
Property Address	32108 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3998
Document Number	0104332554
Book / Page	10433 / 2554
Map Reference	MB 71 PG 32
Instrument Date	Aug 20, 2021
Instrument	2021191206
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	FOUNDATION TITLE AND TRUST LLC, FOUNDATION TITLE & TRUST LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	32108 WATOGA LOOP, 32108, WESLEY CHAPEL, FL 33543-3998

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5062 RAINTREE CT, DOYLESTOWN, PA 18902-6206

Mortgage

Document Number	104332556
Date	Sep 9, 2021
Instrument	10433/2556

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	32108 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3998
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0101370139
Date	Jul 14, 2020
Book Page	10137/139
Instrument	2020112651

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 32108 Watoga Loop was $11,360.

Source: Pasco County assessment roll, as of July 1, 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
2025	$11,360.00	$462,208 Land $96,328 Building $365,880	$462,208 Land $96,328 Building $365,880
2023	$11,097.00 (+17.65%)	$477,997 (+23.39%) Land $80,261 Building $397,736	$477,997 (+23.39%) Land $80,261 Building $397,736
2022	$9,432.00	$387,379 Land $66,884 Building $320,495	$387,379 Land $66,884 Building $320,495

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

Flood

FEMA maps place 32108 Watoga 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 32108 Watoga Loop is moderate, ranking above 56% 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 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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