38102 Centennial Rd, Dade City, FL 33525 Property Records

Pasco County property record for 38102 Centennial Rd, Dade City, FL 33525

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,674 sqft · built 1981
Lot Size	2.02 acres (87,991 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Nov 2020)
Tax Bill	$5,474 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-25-21-0010-00800-0030`

Property Details

APN / Parcel Number

Primary APN	`23-25-21-0010-00800-0030`
Alternative APN	`0153101`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,674 sqft Living Area
Gross Area	2,484 sqft
1st Floor Area	1,674 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,991 sqft (2.02 acres)
Garage Type	Finished
Garage Area	576 sqft
Driveway	Driveway
Driveway Area	1,350 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	234 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	0153101
Street Address	38102 CENTENNIAL RD
City	DADE CITY
State	FL
Zip	33525-1630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	00AR
Legal Description	ZEPHYRHILLS COLONY COMPANY LANDS PB 1 PG 55 EAST 280.00 FT OF TRACT 8 LESS R/W FOR CENTENNIAL RD OR 7234 PG 1632
Legal Range	21E
Legal Township	25S
Legal Section	23
Legal Subdivision	ZEPHYRHILLS COLONY COMPANY
Legal Tract	8
Jurisdiction	PASCO FL
Township / Civil Division	ZEPHYRHILLS
Census Block Group	1
Census Block	1032
Census Tract	32802

Owner

38102 Centennial Rd is owned and occupied by two individuals who bought it in November 2020.

Source: Pasco County records, as of December 19, 2025

Owner of Record	2 Individual Names on File
Mailing Address	38147 CENTENNIAL RD, DADE CITY, FL 33525-1667
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP
Nov 3, 2020	Warranty Deed, Transfer · Conventional with PMI SCHEER ARTHUR L TRUST (RT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2020 · Amount on File
Deed Sale	Nov 3, 2020 · Amount on File
Prior Sale	Oct 23, 2006 · Amount on File
Deed Document Number	2020186394
Deed Book / Page	10209 / 2647
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	38102 CENTENNIAL RD, DADE CITY, FL 33525-1630
Transaction Type	Mortgage
Record Updated	May 6, 2021
Title Company	COMPASS LAND AND TITLE, COMPASS LAND & TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38102 CENTENNIAL RD, DADE CITY, FL 33525-1630

Mortgage

Document Number	0103303687
Date	Apr 22, 2021
Book Page	10330/3687
Instrument	2021082544

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Nov 3, 2020
Property Address	38102 CENTENNIAL RD, DADE CITY, FL 33525-1630
Document Number	0102092647
Book / Page	010209 / 002647
Instrument Date	Oct 26, 2020
Instrument	186394
Transaction Type	Transfer
Record Updated	Nov 16, 2020
Title Company	AMERICAN HOME TITLE/LAND O' LAKE, AMERICAN HM TITLE/LAND O' LAKE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	32737 SUMMERGLADE DR WESLEY CHAPEL FL 335455049, WESLEY CHAPEL, FL 33545-5049

Mortgage

Document Number	102092649
Date	Nov 3, 2020
Book Page	010209/002649
Instrument	186395

Lender

Name	SCHEER ARTHUR L TRUST (RT)
Address	1650 COQUI CT, ODESSA, FL 33556-5524

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	84 Months
Due	Nov 2, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 38102 Centennial Rd was $5,474.

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	$5,474.00	$313,089 Land $79,560 Building $233,529	$313,089 Land $79,560 Building $233,529
2023	$4,953.00 (+24.98%)	$312,550 (+18.86%) Land $79,560 Building $232,990	$312,550 (+18.86%) Land $79,560 Building $232,990
2022	$3,963.00	$262,957 Land $79,560 Building $183,397	$262,957 Land $79,560 Building $183,397

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 38102 Centennial Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1998.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	5 (1998–2024)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 4 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

Wildfire risk around 38102 Centennial Rd is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 62% of the US · lower than 63% 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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