Pasco County property record for 1515 Twin Palms Loop, Lutz, FL 33559
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,115 sqft · built 1982 |
| Lot Size | 0.22 acres (9,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $226,000 (Jul 2018) |
| Tax Bill | $3,434 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-26-19-0040-00100-1080 |
| Primary APN | 33-26-19-0040-00100-1080 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,115 sqft Living Area |
| Gross Area | 2,595 sqft |
| 1st Floor Area | 1,851 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 9,600 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 309 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 1515 TWIN PALMS LOOP |
|---|---|
| City | LUTZ |
| State | FL |
| Zip | 33559-6731 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | TURTLE LAKES # 4 PB 20 PG 83 LOT 108 BLK 1 OR 9751 PG 588 |
| Legal Range | 19E |
| Legal Township | 26S |
| Legal Section | 33 |
| Legal Subdivision | TURTLE LAKES |
| Legal Tract | 40 |
| Legal Block | 1 |
| Legal Lot Number | 108 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | CENTRAL PASCO |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 32014 |
1515 Twin Palms Loop is owned and occupied by an individual who bought it in July 2018.
Source: Pasco County records, as of June 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1515 TWIN PALMS LOOP, LUTZ, FL 33559-6731 |
| 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 |
|---|---|
| Jul 12, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 3, 2018 | Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 3, 2018 · Amount on File |
| Deed Sale | Jul 3, 2018 · Amount on File |
| Deed Document Number | 2018112076 |
| Deed Book / Page | 9751 / 588 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 1515 TWIN PALMS LOOP, LUTZ, FL 33559-6731 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0106493505 |
|---|---|
| Date | Jul 12, 2022 |
| Book Page | 10649/3505 |
| Instrument | 2022151563 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Jul 3, 2018 |
| Property Address | 1515 TWIN PALMS LOOP, LUTZ, FL 33559-6731 |
| Document Number | 0097510588 |
| Book / Page | 009751 / 000588 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 112076 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2018 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,582.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1515 TWIN PALMS LOOP LUTZ FL 335596731, LUTZ, FL 33559-6731 |
| Document Number | 97510590 |
|---|---|
| Date | Jul 3, 2018 |
| Book Page | 009751/000590 |
| Instrument | 112077 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 2, 2048 |
The 2025 property tax bill for 1515 Twin Palms Loop was $3,434 with a homeowner's exemption.
Source: Pasco County assessment roll, as of December 29, 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 |
|---|---|---|---|
| 2026 | $236,920 (+2.9%) | $324,475 (-1.71%) Land $58,560 Building $265,915 | |
| 2025 | $3,434.00 Homeowner's exemption | $230,250 Land $58,560 Building $171,690 | $330,136 Land $58,560 Building $271,576 |
| 2023 | $3,223.00 (+11.29%) Additional exemption filed | $217,260 (+3%) Land $49,440 Building $167,820 | $342,934 (+20.06%) Land $49,440 Building $293,494 |
| 2022 | $2,896.00 Homeowner's exemption | $210,940 Land $41,184 Building $169,756 | $285,644 Land $41,184 Building $244,460 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1515 Twin Palms 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 50 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 50 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 1515 Twin Palms Loop is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 | FLORIDA GOVERNMENTAL UTILITY AUTHORITY private · serves 32,296 people · EPA ID FL5360172 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2024 |
| Also Mapped Here | PCUD-PASCO COUNTY REGIONAL PWS |
| Lead | 5 ppb (2023) action level 15 ppb |
| Water Quality | E. coli resolved · Jun 2018 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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 413 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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