32185 Watoga Loop, Wesley Chapel, FL 33543 Property Records

Pasco County property record for 32185 Watoga Loop, Wesley Chapel, FL 33543

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,911 sqft · built 2018
Lot Size	0.248 acres (10,805 sqft)
Owner	Individual Name on Record
Last Sale	$635,000 (May 2023)
Tax Bill	$9,596 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Jun 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`35-26-20-0020-00100-0030`

Property Details

APN / Parcel Number

Primary APN	`35-26-20-0020-00100-0030`
Alternative APN	`0618715`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,911 sqft Living Area
Gross Area	3,848 sqft
1st Floor Area	1,223 sqft
Upper Floors Area	1,688 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Stucco
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,805 sqft (0.248 acres)
Garage Area	683 sqft
Driveway	Driveway
Driveway Area	1,083 sqft
Porch	Porch
Porch Area	254 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	0618715
Street Address	32185 WATOGA LOOP
City	WESLEY CHAPEL
State	FL
Zip	33543-3997
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MPUD
Legal Description	UNION PARK PHASE 1A PB 68 PG 116 BLOCK 1 LOT 3
Legal Range	20E
Legal Township	26S
Legal Section	35
Legal Subdivision	UNION PARK
Legal Phase	1A
Legal Tract	20
Legal Block	1
Legal Lot Number	3
Jurisdiction	PASCO FL
Township / Civil Division	CENTRAL PASCO
Census Block Group	3
Census Block	3023
Census Tract	32108

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 Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	32185 WATOGA LOOP, ZEPHYRHILLS, FL 33543-3997
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP
Jun 28, 2018	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD
Jan 19, 2018	Grant Deed, Transfer ATTORNEY ONLY
Aug 21, 2017	Deed of Trust, Mortgage PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2023 · Amount on Record
Deed Sale	May 31, 2023 · Amount on Record
Prior Sale	Jun 28, 2018 · Amount on Record
Deed Document Number	2023096774
Deed Book / Page	10826 / 3754
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PASCO FL
Recording Date	May 31, 2023
Property Address	32185 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3997
Document Number	0108263754
Book / Page	10826 / 3754
Map Reference	MB 68 PG 116-118
Instrument Date	May 31, 2023
Instrument	2023096774
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,445.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18 CORPORAL KENNEDY ST18A, BAYSIDE, NY 11360

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	32185 WATOGA LOOP, ZEPHYRHILLS, FL 33543-3997

Mortgage

Document Number	0108263756
Date	May 31, 2023
Instrument	10826/3756

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

June 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Jun 28, 2018
Property Address	32185 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3997
Document Number	0097482114
Book / Page	9748 / 2114
Map Reference	MB 68 PG 116-118
Instrument Date	Jun 27, 2018
Instrument	2018109209
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 13, 2021
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12602 TELECOM DR # 100, 12602, TEMPLE TERRACE, FL 33637-0935

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 18A CORPORAL KENNEDY ST, BAYSIDE, NY 11360

Mortgage

Document Number	2018109212
Date	Jun 28, 2018
Instrument	2018109212

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PASCO FL
Recording Date	Jan 19, 2018
Property Address	32185 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3997
Document Number	0096660552
Book / Page	009666 / 000552
Instrument Date	Jan 15, 2018
Instrument	10631
Transaction Type	Transfer
Record Updated	Feb 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$423.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12602 TELECOM DR TEMPLE TERRACE FL 336370935, TEMPLE TERRACE, FL 33637-0935

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	32185 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3997
Document Number	0095941279
Book / Page	009594 / 001279
Instrument Date	Aug 21, 2017
Transaction Type	Mortgage
Record Updated	Sep 15, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2502 N ROCKY POINT DR #1050 TAMPA FL 336075995, 1050, TAMPA, FL 33607-5995

Mortgage

Document Number	0095941279
Date	Aug 24, 2017
Book Page	009594/001279
Instrument	134425

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	TAMPA, FL 33637

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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	$9,596.00 (-8.24%) Homeowner's exemption	$429,220 (-14.29%) Land $86,465 Building $342,755	$482,662 (-3.62%) Land $86,465 Building $396,197
2023	$10,458.00 (+19.25%)	$500,777 (+25.65%) Land $72,763 Building $428,014	$500,777 (+25.65%) Land $72,763 Building $428,014
2022	$8,770.00	$398,553 Land $61,355 Building $337,198	$398,553 Land $61,355 Building $337,198

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 100 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 65% of the US · above 42% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct 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 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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