38247 Cummer Rd, Dade City, FL 33523 Property Records

Pasco County property record for 38247 Cummer Rd, Dade City, FL 33523

Property Summary

Property Type	Single Family Home
Details	1 ba · 864 sqft · built 1960
Lot Size	0.29 acres (12,620 sqft)
Owner	Individual Name on File
Last Sale	$4,250 (Sep 2012)
Tax Bill	$280 (2025)
Deeds & Mortgages	Oct 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-23-21-002A-00000-0077`

Property Details

APN / Parcel Number

Primary APN	`26-23-21-002A-00000-0077`
Alternative APNs	`212326002A000000077` `0037905`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,620 sqft (0.29 acres)
Garage Type	Carport
Garage Area	820 sqft
Carport	Carport
Carport Area	820 sqft
Porch	Unfinished Open Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Convection
Heating Fuel	Gas

Location & Zoning

Street Address	38247 CUMMER RD
City	DADE CITY
State	FL
Zip	33523-7134
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	SUB OF SE 1/4 OF NW 1/4 PB 2 PG 44 COM AT PT 115 FT E OF SW COR LOT 7 FOR POB TH CONT E 100 FT TH N 80 FT TH W 50 FT TH N 50 FT TH W 50 FT TH S 130 FT TO POB & TH PT OF W 100 FT OF E 200 FT OF LOT 8 N OF RD R/W OR 8760 PG 953 OR 9188 PG 3352
Legal Range	21E
Legal Township	23S
Legal Section	26
Legal Subdivision	SUBD OF SE1/4 OF NW1/4
Legal Tract	2A
Legal Lot Number	7
Jurisdiction	PASCO FL
Township / Civil Division	LACOOCHEE
Census Block Group	1
Census Block	1021
Census Tract	32402

Owner

Source: Pasco County records · APN 26-23-21-002A-00000-0077

Assessment roll updated December 29, 2025 · Last verified April 2026

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 302, LACOOCHEE, FL 33537-0302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 26, 2012 · Amount on Record
Deed Sale	Sep 26, 2012 · Amount on Record
Prior Sale	Mar 02, 2012
Deed Document Number	2012162653
Deed Book / Page	8760 / 953
Last Transfer Date	Mar 27, 2014
Transfer Doc	0091883352
Record Updated	Jun 08, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	38247 CUMMER RD, DADE CITY, FL 33523-7134
Transaction Type	Mortgage
Record Updated	Oct 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38247 CUMMER RD, DADE CITY, FL 33523-7134

Mortgage

Document Number	0106991522
Date	Oct 03, 2022
Book Page	10699/1522
Instrument	2022213499

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2052

Tax Assessment & Valuation

Source: Pasco County records · Assessment roll updated December 29, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Pasco County
Unified School District	Pasco County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$25,230 (+2.9%)	$25,518 (-2.79%) Land $5,762 Building $19,756
2025	$280.00 (+2.56%) Homeowner's exemption	$24,520 (+5.96%) Land $5,762 Building $18,758	$26,250 (-2.47%) Land $5,762 Building $20,488
2024	$273.00 (+2.63%)
2023	$266.00 (+2.7%) Additional exemption filed	$23,140 (+2.98%) Land $5,762 Building $17,378	$26,916 (+7.94%) Land $5,762 Building $21,154
2022	$259.00 Homeowner's exemption	$22,470 Land $5,762 Building $16,708	$24,937 Land $5,762 Building $19,175

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Pasco County (12101C), updated September 20, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121010324021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	12 (1985–2017)
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Frances, Sep 2004 · 5 claims

Wildfire

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 57 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	PCUD-NORTHEAST serves 931 people
Water Source	Groundwater
Last State Inspection	Nov 2024
Also Mapped Here	PCUD-PASCO COUNTY REGIONAL PWS
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	11 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.