5109 Epping Ln, Zephyrhills, FL 33541 Property Records

Pasco County property record for 5109 Epping Ln, Zephyrhills, FL 33541

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,440 sqft · built 1996
Lot Size	0.241 acres (10,526 sqft)
Owner	Individual Name on File
Last Sale	$262,500 (Sep 2009)
Tax Bill	$3,131 (2025)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-26-21-0010-00300-0020`

Property Details

APN / Parcel Number

Primary APN	`07-26-21-0010-00300-0020`
Alternative APNs	`2126070010003000020` `0239309`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,440 sqft Living Area
Gross Area	3,451 sqft
1st Floor Area	2,440 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Exterior Material	Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,526 sqft (0.241 acres)
View / Lot	Golf Course
Garage Area	737 sqft
Driveway	Driveway
Driveway Area	1,102 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	480 sqft
Porch	Finished/Screened Porch
Porch Area	274 sqft
Patio Area	698 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	0239309
Old Parcel Number	2126070010003000020
Street Address	5109 EPPING LN
City	ZEPHYRHILLS
State	FL
Zip	33541-2607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MPUD
Legal Description	EPPING FOREST AT LAKE BERNADETTE PB 28 PGS 129-135 LOT 2 BLOCK 3 OR 8171 PG 236
Legal Range	21E
Legal Township	26S
Legal Section	07
Legal Subdivision	LAKE BERNADETTE GARDENS
Legal Tract	10
Legal Block	3
Legal Lot Number	2
Jurisdiction	PASCO FL
Township / Civil Division	ZEPHYRHILLS
Census Block Group	1
Census Block	1008
Census Tract	32902

Owner

5109 Epping Ln is owned and occupied by an individual who bought it in September 2009.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5109 EPPING LN, ZEPHYRHILLS, FL 33541-2607
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2009 · Amount on File
Deed Sale	Sep 16, 2009 · Amount on File
Prior Sale	Jan 18, 2001 · Amount on File
Deed Document Number	2009131097
Deed Book / Page	8171 / 0236
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	5109 EPPING LN, ZEPHYRHILLS, FL 33541-2607
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100903010
Date	Apr 23, 2020
Book Page	10090/3010
Instrument	2020066988

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 5109 Epping Ln was $3,131 with a homeowner's exemption.

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	$3,131.00 Homeowner's exemption	$211,390 Land $80,001 Building $131,389	$431,152 Land $80,001 Building $351,151
2023	$2,937.00 (+11.33%) Additional exemption filed	$199,460 (+3%) Land $59,895 Building $139,565	$423,756 (+21.59%) Land $59,895 Building $363,861
2022	$2,638.00 Homeowner's exemption	$193,650 Land $49,895 Building $143,755	$348,522 Land $49,895 Building $298,627

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

Flood

FEMA maps place 5109 Epping Ln 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 in force

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 5109 Epping Ln is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.04% 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 506 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20