Pasco County property record for 5170 Epping Ln, Zephyrhills, FL 33541
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,708 sqft · built 1995 |
| Lot Size | 0.271 acres (11,809 sqft) |
| Owner | Trust Name on File |
| Last Sale | $570,000 (Feb 2025) |
| Tax Bill | $6,208 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Jul 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-26-21-0010-00500-0170 |
| Primary APN | 07-26-21-0010-00500-0170 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,708 sqft Living Area |
| Gross Area | 3,711 sqft |
| 1st Floor Area | 2,708 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Exterior Material | Concrete Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,809 sqft (0.271 acres) |
| Garage Area | 690 sqft |
| Driveway | Driveway |
| Driveway Area | 1,030 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 480 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 313 sqft |
| Patio Area | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 0239810 |
|---|---|
| Old Parcel Number | 2126070010005000170 |
| Street Address | 5170 EPPING LN |
| City | ZEPHYRHILLS |
| State | FL |
| Zip | 33541-2606 |
| 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 17 BLOCK 5 |
| Legal Range | 21E |
| Legal Township | 26S |
| Legal Section | 07 |
| Legal Subdivision | LAKE BERNADETTE GARDENS |
| Legal Tract | 10 |
| Legal Block | 5 |
| Legal Lot Number | 17 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | ZEPHYRHILLS |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 32902 |
5170 Epping Ln is owner-occupied and held in a trust since February 2025.
Source: Pasco County records, as of December 19, 2025
| Owner of Record | Trust Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 5170 EPPING LN, ZEPHYRHILLS, FL 33541-2606 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 8, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jul 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 3, 2019 | Deed of Trust, Mortgage · Line of Credit SUNCOAST CU |
| Apr 7, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2025 · Amount on File |
| Deed Sale | Feb 28, 2025 · Amount on File |
| Prior Sale | Jul 26, 2021 · Amount on File |
| Deed Document Number | 2025038361 |
| Deed Book / Page | 11166 / 1949 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 5170 EPPING LN, ZEPHYRHILLS, FL 33541-2606 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2022 |
| Name | Verified Name |
|---|---|
| Address | 5170 EPPING LN, ZEPHYRHILLS, FL 33541-2606 |
| Document Number | 0107022136 |
|---|---|
| Date | Oct 8, 2022 |
| Book Page | 10702/2136 |
| Instrument | 2022217359 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Sep 28, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Jul 26, 2021 |
| Property Address | 5170 EPPING LN, ZEPHYRHILLS, FL 33541-2606 |
| Document Number | 0103993018 |
| Book / Page | 10399 / 3018 |
| Map Reference | MB 28 PG 129-135 |
| Instrument Date | Jul 19, 2021 |
| Instrument | 2021155204 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,835.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2616 BONTERRA BLVD, 2616, VALRICO, FL 33594-3808 |
| Name | Verified Name |
|---|---|
| Address | 5170 EPPING LN, ZEPHYRHILLS, FL 33541-2606 |
| Document Number | 103993020 |
|---|---|
| Date | Jul 26, 2021 |
| Instrument | 10399/3020 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 5170 EPPING LN, ZEPHYRHILLS, FL 33541-2606 |
| Document Number | 0098421004 |
| Instrument Date | Jan 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5170 EPPING LN ZEPHYRHILLS FL 335412606, ZEPHYRHILLS, FL 33541-2606 |
| Document Number | 0098421004 |
|---|---|
| Date | Jan 8, 2019 |
| Book Page | 009842/001004 |
| Instrument | 3758 |
| Name | SUNCOAST CU |
|---|---|
| Address | TAMPA, FL 33680 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 276 Months |
| Due | Jan 7, 2042 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 5170 EPPING LN, ZEPHYRHILLS, FL 33541-2606 |
| Document Number | 0095330304 |
| Book / Page | 009533 / 000304 |
| Instrument Date | Apr 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2017 |
| Name | Verified Name |
|---|---|
| Address | 5170 EPPING LN ZEPHYRHILLS FL 335412606, ZEPHYRHILLS, FL 33541-2606 |
| Document Number | 0095330304 |
|---|---|
| Date | Apr 28, 2017 |
| Book Page | 009533/000304 |
| Instrument | 63946 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 27, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 5170 Epping Ln was $6,208 with a homeowner's exemption.
Source: Pasco County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pasco County |
| Unified School District | Pasco County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,208.00 Homeowner's exemption | $394,380 Land $83,324 Building $311,056 | $461,857 Land $83,324 Building $378,533 |
| 2023 | $5,850.00 (+11.05%) Additional exemption filed | $372,110 (+3%) Land $64,404 Building $307,706 | $456,577 (+21.93%) Land $64,404 Building $392,173 |
| 2022 | $5,268.00 Homeowner's exemption | $361,277 Land $54,504 Building $306,773 | $374,457 Land $54,504 Building $319,953 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5170 Epping Ln in Zone X, an area of minimal flood risk, within 100 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 100 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 risk around 5170 Epping Ln is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · lower than 81% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 243 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 |
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