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3831 Luma Dr, Holiday, FL 34691 Property Records

Pasco County property record for 3831 Luma Dr, Holiday, FL 34691

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 816 sqft · built 1968
Lot Size0.117 acres (5,100 sqft)
OwnerIndividual Name on File
Tax Bill$470 (2025)
Deeds & MortgagesNov 2021 Mortgage
Jan 2020 Mortgage
+ 1 more
Flood ZoneZone X (moderate risk)
APN24-26-15-0020-00001-0580

Property Details

APN / Parcel Number

Primary APN24-26-15-0020-00001-0580
Alternative APNs
  • 1526240020000010580
  • 2206511

Interior

Full Baths1 Bath
Stories1 Story
Building Area816 sqft Living Area
Gross Area1,104 sqft
1st Floor Area816 sqft
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1968
Effective Year BuiltEffective 1968
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area5,100 sqft (0.117 acres)
Garage TypeAttached
Garage Area288 sqft
DrivewayConcrete Driveway
Driveway Area500 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchOpen Porch
Porch Area212 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address3831 LUMA DR
CityHOLIDAY
StateFL
Zip34691-1408
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR4
Legal DescriptionBEACON SQUARE UNIT 8 PB 9 PG 32 LOT 1058 OR 9222 PG 767 OR 9465 PG 213
Legal Range15E
Legal Township26S
Legal Section24
Legal SubdivisionBEACON SQUARE
Legal Tract20
Legal Block1
Legal Lot Number1058
Legal Unit8
JurisdictionPASCO FL
Township / Civil DivisionNEW PORT RICHEY
Census Block Group2
Census Block2001
Census Tract30405

Owner

Source: Pasco County records · APN 24-26-15-0020-00001-0580

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

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

Owner of RecordIndividual Name on File
Mailing Address3831 LUMA DR, HOLIDAY, FL 34691-1408
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 05, 2021Deed of Trust, Mortgage · Conventional Mortgage
EMORTGAGE FUNDING LLC
Jan 21, 2020Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV
Jan 21, 2020Loan Modification, Mortgage · Conventional Mortgage
FIFTH THIRD MTG

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 30, 2016
Deed SaleNov 30, 2016
Prior SaleDec 02, 2010 · Amount on Record
Deed Document Number2016189254
Deed Book / Page9465 / 213
Prior Transfer DateNov 19, 2016
Prior Transfer Doc0094650213
Record UpdatedSep 20, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPASCO FL
Property Address3831 LUMA DR, HOLIDAY, FL 34691-1408
Transaction TypeMortgage
Record UpdatedNov 17, 2021
Title CompanySTEWART TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3831 LUMA DR, HOLIDAY, FL 34691-1408

Mortgage

Document Number0104792505
DateNov 05, 2021
Book Page10479/2505
Instrument2021240121
Lender
NameEMORTGAGE FUNDING LLC
TypeNon-Lending Institution
AddressTROY, MI 48084
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2051

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPASCO FL
Property Address3831 LUMA DR, HOLIDAY, FL 34691-1408
Document Number0100493593
Instrument DateJan 21, 2020
Transaction TypeMortgage
Record UpdatedFeb 24, 2020
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3831 LUMA DR HOLIDAY FL 346911408, HOLIDAY, FL 34691-1408

Mortgage

Document Number0100493593
DateFeb 07, 2020
Book Page010049/003593
Instrument21669
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 06, 2050

January 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPASCO FL
Property Address3831 LUMA DR, HOLIDAY, FL 34691-1408
Document Number0100633384
Instrument DateJan 21, 2020
Transaction TypeMortgage
Record UpdatedMar 20, 2020
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3831 LUMA DR HOLIDAY FL 346911408, HOLIDAY, FL 34691-1408

Mortgage

Document Number0100633384
DateMar 04, 2020
Book Page010063/003384
Instrument37972
Lender
NameFIFTH THIRD MTG
TypeMortgage Company
AddressCINCINNATI, OH 45227
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 03, 2050
Interest
Rate3.37%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPasco County
Unified School DistrictPasco 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.

YearTax BillAssessed ValueAssessed Market Value
2026$44,950 (+2.88%)$128,054 (-2.22%) Land $26,928 Building $101,126
2025$470.00 (+5.86%) Homeowner's exemption$43,690 (+5.97%) Land $26,928 Building $16,762$130,957 (+4.18%) Land $26,928 Building $104,029
2024$444.00 (+6.99%)
2023$415.00 (-6.11%) Additional exemption filed$41,230 (+3%) Land $16,830 Building $24,400$125,707 (+27.16%) Land $16,830 Building $108,877
2022$442.00 Homeowner's exemption$40,030 Land $14,025 Building $26,005$98,861 Land $14,025 Building $84,836

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 20, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
CoastalYes
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 159 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies159 in force
Nearby Flood Claims223 (1978–2026)
Claims Outside the SFHA5 of 223
Most Recent ClaimJul 2026 · other causes
Claims by Event
  • Hurricane Helene, Sep 2024 · 132 claims
  • Tropical Storm Debby, Jun 2012 · 8 claims
  • Hurricane Frances, Sep 2004 · 9 claims

Wildfire

Wildfire RiskNot rated
no burnable land within 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 as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 619 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemPCUD-PASCO COUNTY REGIONAL PWS
serves 214,403 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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