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32546 Rapids Loop, Wesley Chapel, FL 33545 Property Records

Pasco County property record for 32546 Rapids Loop, Wesley Chapel, FL 33545

Property Summary

Property TypeSingle Family Home
Details2 ba · 2,974 sqft · built 2018
Lot Size0.199 acres (8,702 sqft)
OwnerIndividual Name on Record
Last Sale$322,500 (May 2019)
Tax Bill$10,278 (2025)
Deeds & MortgagesMay 2021 Mortgage
Aug 2020 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN14-26-20-0070-02300-0020

Property Details

APN / Parcel Number

Primary APN14-26-20-0070-02300-0020
Alternative APN
  • 0522513

Interior

Full Baths2 Baths
Stories2 Stories
Building Area2,974 sqft Living Area
Gross Area3,926 sqft
1st Floor Area1,435 sqft
Upper Floors Area1,539 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2018
Exterior MaterialStucco
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area8,702 sqft (0.199 acres)
Garage Area462 sqft
DrivewayDriveway
Driveway Area1,092 sqft
Pool Area350 sqft
PorchPorch
Porch Area490 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Account Number0522513
Street Address32546 RAPIDS LOOP
CityWESLEY CHAPEL
StateFL
Zip33545-3229
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMPUD
Legal DescriptionNEW RIVER LAKES PHASE 1 PARCEL D PB 64 PG 090 BLOCK 23 LOT 2
Legal Range20E
Legal Township26S
Legal Section14
Legal SubdivisionNEW RIVER LAKES
Legal Phase1
Legal Tract70
Legal Block23
Legal Lot Number2
JurisdictionPASCO FL
Township / Civil DivisionCENTRAL PASCO
Census Block Group3
Census Block3000
Census Tract32105

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address32546 RAPIDS LOOP, WESLEY CHAPEL, FL 33545-3229
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 27, 2021Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP
Aug 11, 2020Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP
May 8, 2019Warranty Deed, Subdivision Related Transfer · VA Mortgage
FREEDOM MORTGAGE CORP
Oct 25, 2017Loan Modification, Mortgage · Line of Credit
CITY NAT'L BK/FL
Apr 13, 2017Trustee's Deed, Transfer · Line of Credit
FLORIDA CMNTY BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 8, 2019 · Amount on Record
Deed SaleMay 8, 2019 · Amount on Record
Deed Document Number2019077917
Deed Book / Page9902 / 2453
Record UpdatedJun 8, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPASCO FL
Property Address32546 RAPIDS LOOP, WESLEY CHAPEL, FL 33545-3229
Transaction TypeMortgage
Record UpdatedFeb 3, 2023
Title CompanySTEWART TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address32546 RAPIDS LOOP, WESLEY CHAPEL, FL 33545-3229

Mortgage

Document Number0103563435
DateMay 27, 2021
Book Page10356/3435
Instrument2021110346
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2051

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPASCO FL
Property Address32546 RAPIDS LOOP, WESLEY CHAPEL, FL 33545-3229
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyINSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0101551149
DateAug 11, 2020
Book Page10155/1149
Instrument2020130820
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
Address44564
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2050

May 2019: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionPASCO FL
Recording DateMay 8, 2019
Property Address32546 RAPIDS LOOP, WESLEY CHAPEL, FL 33545-3229
Document Number0099022453
Book / Page9902 / 2453
Map ReferenceMB 64 PG 90
Instrument DateMay 3, 2019
Instrument2019077917
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 13, 2021
Title CompanyAVEX TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,257.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address28 E WASHINGTON ST, 28, ORLANDO, FL 32801-2311

Transferred To (Grantee/Buyer)

NameVerified Name
Address32546 RAPIDS LOOP, WESLEY CHAPEL, FL 33545-3229

Mortgage

Document Number2019077918
DateMay 8, 2019
Instrument2019077918
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2049

October 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPASCO FL
Recording DateOct 25, 2017
Property Address32546 RAPIDS LOOP, WESLEY CHAPEL, FL 33545-3229
Document Number0096240821
Book / Page009624 / 000821
Instrument DateOct 19, 2017
Instrument168490
Transaction TypeMortgage
Record UpdatedNov 21, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3680 AVALON PARK EAST BLVD #30 ORLANDO FL 328289372, 30, ORLANDO, FL 32828-9372

Mortgage

Document Number96240821
DateOct 25, 2017
Book Page009624/000821
Instrument168490
Lender
NameCITY NAT'L BK/FL
TypeBank
Address25 W FLAGLER ST, MIAMI, FL 33130-1712
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

April 2017: Trustee's Deed, Transfer

Document TypeTrustee's Deed
JurisdictionPASCO FL
Recording DateApr 13, 2017
Property Address32546 RAPIDS LOOP, WESLEY CHAPEL, FL 33545-3229
Document Number0095260054
Book / Page009526 / 000054
Instrument DateDec 30, 2016
Instrument55862
Transaction TypeTransfer
Record UpdatedMay 1, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$20,825.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address28 E WASHINGTON ST ORLANDO FL 328012311, ORLANDO, FL 32801-2311
InvestorPossibly a Property Investor

Mortgage

Document Number95260058
DateApr 13, 2017
Book Page009526/000058
Instrument55863
Lender
NameFLORIDA CMNTY BK
TypeBank
Address369 N NEW YORK AVE, WINTER PARK, FL 32789-3124
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Mortgage

Document Number95260082,
DateApr 13, 2017
Book Page009526/000082
Instrument55865
Lender
NameSITEX NR DEV LLC
Address3680 AVALON PARK EAST BLVD # 300, ORLANDO, FL 32828-9373
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Pasco County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyPasco County
Unified School DistrictPasco County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$10,278.00 (+5.97%)$473,306 (-3.22%) Land $65,477 Building $407,829$473,306 (-3.22%) Land $65,477 Building $407,829
2023$9,699.00 (+17.41%)$489,078 (+17.14%) Land $50,277 Building $438,801$489,078 (+17.14%) Land $50,277 Building $438,801
2022$8,261.00$417,526 Land $42,437 Building $375,089$417,526 Land $42,437 Building $375,089

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AH, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 24 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies24 in force
Nearby Flood Claims1 (2024)
Claims Outside the SFHA1 of 1
Most Recent ClaimOct 2024 · Hurricane Milton

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 RiskHigh
above 71% of the US · above 54% of Florida
Wildfire Likelihood0.3% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemPCUD-PASCO COUNTY REGIONAL PWS
serves 214,403 people · EPA ID FL6511361
Water SourcePurchased surface water from several systems
Last State InspectionJun 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityTotal trihalomethanes
not recorded as resolved · Jan 2026
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting10
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 34 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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