Pasco County property record for 5323 Epping Ln, Zephyrhills, FL 33541
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,151 sqft · built 1993 |
| Lot Size | 0.333 acres (14,540 sqft) |
| Owner | Individual Name on File |
| Last Sale | $539,900 (Sep 2022) |
| Tax Bill | $6,338 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Sep 2021 Foreclosure + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-26-21-0010-00300-0280 |
| Primary APN | 07-26-21-0010-00300-0280 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 3,151 sqft Living Area |
| Gross Area | 4,286 sqft |
| 1st Floor Area | 3,151 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Exterior Material | Concrete Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,540 sqft (0.333 acres) |
| View / Lot | Golf Course |
| Garage Area | 644 sqft |
| Driveway | Driveway |
| Driveway Area | 1,154 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 392 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 491 sqft |
| Patio Area | 533 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 0239509 |
|---|---|
| Old Parcel Number | 2126070010003000280 |
| Street Address | 5323 EPPING LN |
| City | ZEPHYRHILLS |
| State | FL |
| Zip | 33541-2611 |
| 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 28 BLOCK 3 |
| Legal Range | 21E |
| Legal Township | 26S |
| Legal Section | 07 |
| Legal Subdivision | LAKE BERNADETTE GARDENS |
| Legal Tract | 10 |
| Legal Block | 3 |
| Legal Lot Number | 28 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | ZEPHYRHILLS |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 32902 |
5323 Epping Ln is owned and occupied by an individual who bought it in September 2022.
Source: Pasco County records, as of December 19, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 5323 EPPING LN, ZEPHYRHILLS, FL 33541-2611 |
| 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.
| Date | Document |
|---|---|
| Sep 19, 2022 | Warranty Deed, Transfer · Conventional Mortgage NAVY FCU |
| Sep 30, 2021 | Special Warranty Deed, Foreclosure SERVICELINK |
| Dec 21, 2020 | Foreclosure NOT AVAILABLE |
| Nov 2, 2018 | Warranty Deed, Transfer · FHA Mortgage SECURITY NATIONAL MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2022 · Amount on File |
| Deed Sale | Sep 19, 2022 · Amount on File |
| Prior Sale | Sep 30, 2021 |
| Deed Document Number | 2022205743 |
| Deed Book / Page | 10693 / 1764 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Sep 19, 2022 |
| Property Address | 5323 EPPING LN, ZEPHYRHILLS, FL 33541-2611 |
| Document Number | 0106931764 |
| Book / Page | 10693 / 1764 |
| Map Reference | MB 28 PG 129-135 |
| Instrument Date | Sep 9, 2022 |
| Instrument | 2022205743 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2022 |
| Title Company | INLAND TITLE COMPANY, ISLAND TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,779.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1201 W HILLSBOROUGH AVEWW, 1201, TAMPA, FL 33603 |
| Name | Verified Name |
|---|---|
| Address | 5323 EPPING LN, ZEPHYRHILLS, FL 33541-2611 |
| Document Number | 0106931765 |
|---|---|
| Date | Sep 19, 2022 |
| Instrument | 10693/1765 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Sep 30, 2021 |
| Property Address | 5323 EPPING LN, ZEPHYRHILLS, FL 33541-2611 |
| Document Number | 0104493592 |
| Book / Page | 10449 / 3592 |
| Map Reference | MB 28 PG 129-135 |
| Instrument Date | Mar 22, 2021 |
| Instrument | 2021208282 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 1, 2022 |
| Title Company | SERVICELINK |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8950 CYPRESS WATERS BLVD, 8950, COPPELL, TX 75019-4620 |
| Name | Verified Name |
|---|---|
| Address | 2000 N CLASSEN BLVD STE 110E, 110E, OKLAHOMA CITY, OK 73106-6100 |
| Investor | Possibly a Property Investor |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Dec 21, 2020 |
| Property Address | 5323 EPPING LN, ZEPHYRHILLS, FL 33541-2611 |
| Document Number | 0102413764 |
| Book / Page | 010241 / 003764 |
| Instrument Date | Dec 1, 2020 |
| Instrument | 217542 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 6, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $4.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 8950 CYPRESS WATERS BLVD COPPELL TX 750194620, COPPELL, TX 75019-4620 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Nov 2, 2018 |
| Property Address | 5323 EPPING LN, ZEPHYRHILLS, FL 33541-2611 |
| Document Number | 0098123798 |
| Book / Page | 9812 / 3798 |
| Map Reference | MB 28 PG 129-135 |
| Instrument Date | Oct 30, 2018 |
| Instrument | 2018186460 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | MAGNOLIA TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $2,135.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1209 E CUMBERLAND AVE UNIT 1802, 1209, TAMPA, FL 33602-4260 |
| Name | Verified Name |
|---|---|
| Address | 31156 GOSSAMER WAY, WESLEY CHAPEL, FL 33543-5068 |
| Document Number | 2018186461 |
|---|---|
| Date | Nov 2, 2018 |
| Instrument | 2018186461 |
| Name | SECURITY NATIONAL MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2048 |
The 2025 property tax bill for 5323 Epping Ln was $6,338 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 | $6,338.00 Homeowner's exemption | $402,080 Land $85,760 Building $316,320 | $517,945 Land $85,760 Building $432,185 |
| 2023 | $5,972.00 (-12.36%) Additional exemption filed | $379,374 (-9.38%) Land $64,750 Building $314,624 | $512,164 (+22.34%) Land $64,750 Building $447,414 |
| 2022 | $6,814.00 | $418,627 Land $54,300 Building $364,327 | $418,627 Land $54,300 Building $364,327 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5323 Epping Ln in Zone X, an area of minimal flood risk.
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 |
|---|---|
| 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 5323 Epping Ln is moderate, ranking above 44% 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 44% of the US · lower than 85% 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 220 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 |
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