Pasco County property record for 1539 Twin Palms Loop, Lutz, FL 33559
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,818 sqft · built 1982 |
| Lot Size | 0.22 acres (9,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $230,000 (Mar 2018) |
| Tax Bill | $3,329 (2025) |
| Deeds & Mortgages | Dec 2023 Line of Credit Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-26-19-0040-00100-1120 |
| Primary APN | 33-26-19-0040-00100-1120 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,818 sqft Living Area |
| Gross Area | 2,322 sqft |
| 1st Floor Area | 1,818 sqft |
| Flooring | Tile |
| 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 | 504 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 336 sqft |
|---|---|
| Porch | Open Aluminum/Fiberglass Porch |
| Porch Area | 318 sqft |
| Deck Area | Deck Area |
| Patio Area | 546 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 1539 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 UNIT 4 PB 20 PG 83 LOT 112 BLOCK 1 OR 9696 PG 1338 |
| Legal Range | 19E |
| Legal Township | 26S |
| Legal Section | 33 |
| Legal Subdivision | TURTLE LAKES |
| Legal Tract | 40 |
| Legal Block | 1 |
| Legal Lot Number | 112 |
| Legal Unit | 4 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | CENTRAL PASCO |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 32014 |
1539 Twin Palms Loop is owned and occupied by two individuals who bought it in March 2018.
Source: Pasco County records, as of June 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1539 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 |
|---|---|
| Dec 13, 2023 | Deed of Trust, Mortgage · Line of Credit GTE FCU |
| Mar 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP |
| Mar 21, 2018 | Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENTS CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 21, 2018 · Amount on File |
| Deed Sale | Mar 21, 2018 · Amount on File |
| Prior Sale | Jun 19, 2013 · Amount on File |
| Deed Document Number | 201847730 |
| Deed Book / Page | 9696 / 1338 |
| Transfer Doc | 3666001116 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 1539 TWIN PALMS LOOP, LUTZ, FL 33559-6731 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1539 TWIN PALMS LOOP, LUTZ, FL 33559-6731 |
| Document Number | 0109301767 |
|---|---|
| Date | Dec 13, 2023 |
| Book Page | 10930/1767 |
| Instrument | 2023216702 |
| Name | GTE FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 10, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 1539 TWIN PALMS LOOP, LUTZ, FL 33559-6731 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0100751978 |
|---|---|
| Date | Mar 24, 2020 |
| Book Page | 10075/1978 |
| Instrument | 2020051356 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Mar 21, 2018 |
| Property Address | 1539 TWIN PALMS LOOP, LUTZ, FL 33559-6731 |
| Document Number | 0096961338 |
| Book / Page | 9696 / 1338 |
| Map Reference | MB20 PG83-85 |
| Instrument Date | Mar 20, 2018 |
| Instrument | 2018047730 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,610.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 24440 LANDING DR, 24440, LUTZ, FL 33559-7337 |
| Name | Verified Name |
|---|---|
| Address | 1539 TWIN PALMS LOOP, LUTZ, FL 33559-6731 |
| Document Number | 2018047731 |
|---|---|
| Date | Mar 21, 2018 |
| Instrument | 2018047731 |
| Name | GERSHMAN INVESTMENTS CORP |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
The 2025 property tax bill for 1539 Twin Palms Loop was $3,329 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 | $230,480 (+2.9%) | $327,732 (-1.67%) Land $58,560 Building $269,172 | |
| 2025 | $3,329.00 Homeowner's exemption | $223,990 Land $58,560 Building $165,430 | $333,282 Land $58,560 Building $274,722 |
| 2023 | $3,123.00 (+11.34%) Additional exemption filed | $211,340 (+3%) Land $49,440 Building $161,900 | $345,401 (+19.36%) Land $49,440 Building $295,961 |
| 2022 | $2,805.00 Homeowner's exemption | $205,190 Land $41,184 Building $164,006 | $289,387 Land $41,184 Building $248,203 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1539 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 1539 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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