32237 Watoga Loop, Wesley Chapel, FL 33543 Property Records

Pasco County property record for 32237 Watoga Loop, Wesley Chapel, FL 33543

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,529 sqft · built 2019
Lot Size	0.145 acres (6,325 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,100 (Aug 2019)
Tax Bill	$10,284 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`35-26-20-0020-00100-0090`

Property Details

APN / Parcel Number

Primary APN	`35-26-20-0020-00100-0090`
Alternative APNs	`2026350020001000090` `0618806`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,529 sqft Living Area
Gross Area	2,989 sqft
1st Floor Area	1,296 sqft
Upper Floors Area	1,233 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,325 sqft (0.145 acres)
Garage Type	Attached
Garage Area	460 sqft
Driveway	Concrete Driveway
Driveway Area	606 sqft
Porch	Open Porch
Porch Area	307 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	32237 WATOGA LOOP
City	WESLEY CHAPEL
State	FL
Zip	33543-3996
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 9
Legal Range	20E
Legal Township	26S
Legal Section	35
Legal Subdivision	UNION PARK
Legal Tract	20
Legal Block	1
Legal Lot Number	9
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 April 27, 2026

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	32237 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3996
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INCORPORATED
Mar 25, 2024	Deed of Trust, Mortgage · Commercial Mortgage HOMETAP EQUITY PARTNERS LLC
Oct 19, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Aug 2, 2019	Special Warranty Deed, Subdivision Related Transfer · ARM A&D MORTGAGE LLC
Feb 1, 2019	Grant Deed, Transfer ATTORNEY ONLY
Sep 5, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2019 · Amount on Record
Deed Sale	Aug 2, 2019 · Amount on Record
Prior Sale	Feb 1, 2019 · Amount on Record
Deed Document Number	2019130339
Deed Book / Page	9949 / 1803
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Jul 23, 2026
Property Address	32237 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3996
Document Number	0000137754
Book / Page	11462 / 3774
Instrument Date	Jul 21, 2026
Instrument	2026137754
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE OF FLO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$342,895.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32237 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3996

Mortgage

Document Number	0000137755,
Date	Jul 23, 2026
Instrument	2026137755

Lender

Name	MORTGAGE 1 INCORPORATED

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	32237 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3996
Transaction Type	Mortgage
Record Updated	Apr 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32237 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3996

Mortgage

Document Number	0109811070
Date	Mar 25, 2024
Book Page	10981/1070
Instrument	2024050434

Lender

Name	HOMETAP EQUITY PARTNERS LLC
Type	Non-Lending Institution
Address	75 ARLINGTON ST STE 500, BOSTON, MA 02116

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	32237 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3996
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32237 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3996

Mortgage

Document Number	0107090589
Date	Oct 19, 2022
Book Page	10709/589
Instrument	2022225191

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Aug 2, 2019
Property Address	32237 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3996
Document Number	0099491803
Book / Page	9949 / 1803
Map Reference	MB 68 PG 116-118
Instrument Date	Jul 26, 2019
Instrument	2019130339
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 1, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4600 W CYPRESS ST STE 200, 4600, TAMPA, FL 33607-4099

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32237 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3996

Mortgage

Document Number	0099491807
Date	Aug 2, 2019
Instrument	9949/1807

Lender

Name	A&D MORTGAGE LLC
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Aug 1, 2024
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Margin	5
Max Rate	11.6%

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PASCO FL
Recording Date	Feb 1, 2019
Property Address	32237 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3996
Document Number	0098531612
Book / Page	009853 / 001612
Instrument Date	Feb 1, 2019
Instrument	18365
Transaction Type	Transfer
Record Updated	Feb 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,332.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4600 W CYPRESS ST #200 TAMPA FL 336074099, 200, TAMPA, FL 33607-4099

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PASCO FL
Recording Date	Sep 5, 2018
Property Address	32237 WATOGA LOOP, WESLEY CHAPEL, FL 33543-3996
Document Number	0097831126
Book / Page	009783 / 001126
Instrument Date	Aug 30, 2018
Instrument	150529
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,310.00
Additional	Arm's Length Multiple Parcels

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

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		$424,976 (-1.73%) Land $81,520 Building $343,456	$424,976 (-1.73%) Land $81,520 Building $343,456
2025	$10,284.00 (+1.74%)	$432,438 (-2.17%) Land $81,520 Building $350,918	$432,438 (-2.17%) Land $81,520 Building $350,918
2024	$10,108.00 (+5.71%)
2023	$9,562.00 (+18.53%)	$442,051 (+24.8%) Land $67,942 Building $374,109	$442,051 (+24.8%) Land $67,942 Building $374,109
2022	$8,067.00	$354,215 Land $56,658 Building $297,557	$354,215 Land $56,658 Building $297,557

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	High above 72% of the US · above 56% of Florida
Wildfire Likelihood	0.4% 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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