Pasco County property record for 32190 Conchshell Sail St, Wesley Chapel, FL 33545
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 2,828 sqft · built 2023 |
| Lot Size | 0.165 acres (7,200 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $564,985 (Aug 2023) |
| Tax Bill | $3,457 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Aug 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-25-20-0050-03900-0170 |
| Primary APN | 23-25-20-0050-03900-0170 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,828 sqft Living Area |
| Gross Area | 3,709 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Concrete Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,200 sqft (0.165 acres) |
| Garage Area | 622 sqft |
| Driveway | Driveway |
| Driveway Area | 859 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 32190 CONCHSHELL SAIL ST |
|---|---|
| City | WESLEY CHAPEL |
| State | FL |
| Zip | 33545-4956 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MPUD |
| Legal Description | EPPERSON NORTH VILLAGE A-1 A-2 A-3 A-4A & A-5 PB 87 PG 133 BLOCK 39 LOT 17 |
| Legal Block | 39 |
| Legal Lot Number | 17 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | CENTRAL PASCO |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 32103 |
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 |
|---|---|
| Mailing Address | 32190 CONCHSHELL SAIL ST, WESLEY CHAPEL, FL 33545-4956 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 20, 2025 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Aug 25, 2023 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD |
| Nov 18, 2022 | Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 25, 2023 · Amount on Record |
| Deed Sale | Aug 25, 2023 · Amount on Record |
| Prior Sale | Nov 18, 2022 · Amount on Record |
| Deed Document Number | 2023152239 |
| Deed Book / Page | 10875 / 1879 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 32190 CONCHSHELL SAIL ST, WESLEY CHAPEL, FL 33545-4956 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 32190 CONCHSHELL SAIL ST, WESLEY CHAPEL, FL 33545-4956 |
| Document Number | 0113363620 |
|---|---|
| Date | Dec 20, 2025 |
| Book Page | 11336/3620 |
| Instrument | 2025239002 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Aug 25, 2023 |
| Property Address | 32190 CONCHSHELL SAIL ST, WESLEY CHAPEL, FL 33545-4956 |
| Document Number | 0108751879 |
| Book / Page | 10875 / 1879 |
| Map Reference | MB 87 PG 133-145 |
| Instrument Date | Aug 21, 2023 |
| Instrument | 2023152239 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 9, 2024 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,955.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3501 RIGA BLVD # 100, 100, TAMPA, FL 33619-1333 |
| Name | Verified Name |
|---|---|
| Address | 32190 CONCHSHELL SAIL ST, WESLEY CHAPEL, FL 33545-4956 |
| Document Number | 0108751880 |
|---|---|
| Date | Aug 25, 2023 |
| Instrument | 10875/1880 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Nov 18, 2022 |
| Property Address | 32190 CONCHSHELL SAIL ST, WESLEY CHAPEL, FL 33545-4956 |
| Document Number | 0107252260 |
| Book / Page | 10725 / 2260 |
| Map Reference | MB 87 PG 133-145 |
| Instrument Date | Nov 16, 2022 |
| Instrument | 2022246216 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $6,552.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2502 N ROCKY POINT DR STE 1050, 1050, TAMPA, FL 33607-5995 |
| Name | Verified Name |
|---|---|
| Address | 3501 RIGA BLVD STE 100, 100, TAMPA, FL 33619-1333 |
Source: Pasco County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pasco County |
| Unified School District | Pasco County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,457.00 (-13.25%) Homeowner's exemption | $510,574 (+603.5%) Land $109,440 Building $401,134 | $510,574 (+603.5%) Land $109,440 Building $401,134 |
| 2023 | $3,985.00 (+775.82%) | $72,576 (+15%) Land $72,576 | $72,576 (+15%) Land $72,576 |
| 2022 | $455.00 | $29,030 | $29,030 Land $29,030 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 288 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 288 in force |
| Nearby Flood Claims | 5 (2024) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 73% of the US · above 58% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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