32189 Watoga Loop, Wesley Chapel, FL 33543 Property Records

Pasco County property record for 32189 Watoga Loop, Wesley Chapel, FL 33543

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,831 sqft · built 2016
Lot Size	0.329 acres (14,318 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Oct 2018)
Tax Bill	$10,419 (2025)
Deeds & Mortgages	Nov 2023 Transfer Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35-26-20-0020-00100-0040`

Property Details

APN / Parcel Number

Primary APN	`35-26-20-0020-00100-0040`
Alternative APNs	`2026350020001000040` `0618801`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,831 sqft Living Area
Gross Area	3,443 sqft
1st Floor Area	2,831 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	14,318 sqft (0.329 acres)
Garage Type	Attached
Garage Area	612 sqft
Driveway	Concrete Driveway
Driveway Area	594 sqft
Porch	Open Porch
Porch Area	260 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	32189 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 4
Legal Range	20E
Legal Township	26S
Legal Section	35
Legal Subdivision	UNION PARK
Legal Tract	20
Legal Block	1
Legal Lot Number	4
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 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	32189 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3997
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2023	Intrafamily Transfer, Transfer
Jun 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Oct 5, 2018	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LEVEL ONE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2018 · Amount on Record
Deed Sale	Oct 5, 2018 · Amount on Record
Prior Sale	Feb 11, 2016 · Amount on Record
Deed Document Number	2018169679
Deed Book / Page	9798 / 2788
Last Transfer Date	Nov 1, 2023
Transfer Doc	0109203815
Record Updated	Jun 8, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PASCO FL
Recording Date	Nov 27, 2023
Property Address	32189 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3997
Document Number	0109203815
Book / Page	10920 / 3815
Map Reference	MB 68 PG 116-118
Instrument Date	Nov 13, 2023
Instrument	2023205789
Transaction Type	Transfer
Record Updated	Dec 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13111 KEW GARDENS RD, RICHMOND HILL, NY 11418-1935

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	32189 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3997
Investor	Possibly a Property Investor

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	32189 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3997
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13111 KEW GARDENS RD 4C, 4C, KEW GARDENS, NY 11418-1941

Mortgage

Document Number	0103592698
Date	Jun 1, 2021
Book Page	10359/2698
Instrument	2021112815

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

October 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Oct 5, 2018
Property Address	32189 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3997
Document Number	0097982788
Book / Page	9798 / 2788
Map Reference	MB 68 PG 116-118
Instrument Date	Sep 27, 2018
Instrument	2018169679
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 1, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
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	13111 KEW GARDENS RD APT 4C, 4C, RICHMOND HILL, NY 11418-1941
Investor	Possibly a Property Investor

Mortgage

Document Number	2018169680
Date	Oct 5, 2018
Instrument	2018169680

Lender

Name	LEVEL ONE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

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		$473,702 (-0.93%) Land $88,793 Building $384,909	$473,702 (-0.93%) Land $88,793 Building $384,909
2025	$10,419.00 (-5.72%) Homeowner's exemption	$478,166 (-4.13%) Land $88,793 Building $389,373	$478,166 (-4.13%) Land $88,793 Building $389,373
2024	$11,051.00 (+5.32%)
2023	$10,493.00 (+18.87%)	$498,761 (+24.33%) Land $75,215 Building $423,546	$498,761 (+24.33%) Land $75,215 Building $423,546
2022	$8,827.00	$401,155 Land $63,931 Building $337,224	$401,155 Land $63,931 Building $337,224

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 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.

Nearby Properties on Watoga Loop

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures