4045 Marlow Loop, Land O Lakes, FL 34639 Property Records

Pasco County property record for 4045 Marlow Loop, Land O Lakes, FL 34639

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,358 sqft · built 2001
Lot Size	0.198 acres (8,617 sqft)
Owner	2 Individual Names on File
Last Sale	$207,000 (Apr 2017)
Tax Bill	$3,849 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-26-19-0100-00000-0020`

Property Details

APN / Parcel Number

Primary APN	`18-26-19-0100-00000-0020`
Alternative APNs	`1926180100000000020` `0748112`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,358 sqft Living Area
Gross Area	2,799 sqft
1st Floor Area	2,178 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,617 sqft (0.198 acres)
Garage Type	Attached
Garage Area	441 sqft
Driveway	Concrete Driveway
Driveway Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	402 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4045 MARLOW LOOP
City	LAND O LAKES
State	FL
Zip	34639-4071
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MPUD
Legal Description	SABLE RIDGE PHASE 2B PB 37 PGS 86-87 LOT 2 OR 9526 PG 1919
Legal Range	19E
Legal Township	26S
Legal Section	18
Legal Subdivision	SABLE RIDGE
Legal Tract	100
Legal Lot Number	2
Jurisdiction	PASCO FL
Township / Civil Division	CENTRAL PASCO
Census Block Group	1
Census Block	1000
Census Tract	32008

Owner

4045 Marlow Loop is owned and occupied by two individuals who bought it in April 2017.

Source: Pasco County records, as of December 29, 2025

Owner of Record	2 Individual Names on File
Mailing Address	4045 MARLOW LOOP, LAND O LAKES, FL 34639-4071
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MOMENTUM BANK
Apr 17, 2017	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2017 · Amount on File
Deed Sale	Apr 17, 2017 · Amount on File
Prior Sale	May 19, 2003 · Amount on File
Deed Document Number	201756376
Deed Book / Page	9526 / 1919
Prior Transfer Date	Apr 18, 2003
Prior Transfer Doc	0053630909
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	4045 MARLOW LOOP, LAND O LAKES, FL 34639-4071
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4045 MARLOW LOOP, LAND O LAKES, FL 34639-4071

Mortgage

Document Number	0101980814
Date	Oct 16, 2020
Book Page	10198/814
Instrument	2020174213

Lender

Name	AMERICAN MOMENTUM BANK
Type	Bank
Address	COLLEGE STATION, TX 77845

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Apr 17, 2017
Property Address	4045 MARLOW LOOP, LAND O LAKES, FL 34639-4071
Document Number	0095261919
Book / Page	9526 / 1919
Map Reference	MB37 PG86-87
Instrument Date	Apr 10, 2017
Instrument	2017056376
Transaction Type	Transfer
Record Updated	Dec 13, 2021
Title Company	MILLENNIAL TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,449.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9630 DIETZ PL APT 105, 9630, PERRY HALL, MD 21128-7800

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4045 MARLOW LP, ISTACHATTA, FL 34636

Mortgage

Document Number	2017056377
Date	Apr 17, 2017
Instrument	2017056377

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4045 Marlow Loop was $3,849 with a homeowner's exemption, up 2.5% from the year before.

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		$260,230 (+2.9%)	$392,668 (-0.41%) Land $76,479 Building $316,189
2025	$3,849.00 (+2.48%) Homeowner's exemption	$252,900 Land $76,479 Building $176,421	$394,303 Land $76,479 Building $317,824
2024	$3,756.00 (+3.84%)
2023	$3,617.00 (+11.12%) Additional exemption filed	$238,630 (+3%) Land $69,579 Building $169,051	$392,522 (+21.08%) Land $69,579 Building $322,943
2022	$3,255.00 Homeowner's exemption	$231,680 Land $58,104 Building $173,576	$324,176 Land $58,104 Building $266,072

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

Flood

FEMA maps place 4045 Marlow Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 39 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	49 units insured incl. 10 condo units
Nearby Flood Claims	8 (1985–2011)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Mar 2011 · rainfall accumulation

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 4045 Marlow Loop is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 393 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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