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22240 Willow Lakes Dr, Lutz, FL 33549 Property Records

Pasco County property record for 22240 Willow Lakes Dr, Lutz, FL 33549

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,207 sqft · built 1998
Lot Size0.353 acres (15,360 sqft)
Owner2 Individual Names on File
Last Sale$465,000 (Sep 2021)
Tax Bill$6,665 (2025)
Deeds & MortgagesSep 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN31-26-19-0060-00000-0160

Property Details

APN / Parcel Number

Primary APN31-26-19-0060-00000-0160
Alternative APNs
  • 1926310060000000160
  • 0828901

Interior

Full Baths3 Baths
Stories1 Story
Building Area2,207 sqft Living Area
Gross Area2,827 sqft
1st Floor Area2,207 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area15,360 sqft (0.353 acres)
Garage TypeAttached
Garage Area620 sqft
DrivewayConcrete Driveway
Driveway Area724 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area252 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address22240 WILLOW LAKES DR
CityLUTZ
StateFL
Zip33549-9500
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMPUD
Legal DescriptionWILLOW BEND UNIT B-2 PB 33 PGS 110-115 LOT 16
Legal Range19E
Legal Township26S
Legal Section31
Legal SubdivisionWILLOW BEND
Legal Tract60
Legal Block2
Legal Lot Number16
JurisdictionPASCO FL
Township / Civil DivisionCENTRAL PASCO
Census Block Group1
Census Block1009
Census Tract32013

Owner

Source: Pasco County records, as of September 11, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address22240 WILLOW LAKES DR, LUTZ, FL 33549-9500
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 29, 2021 · Amount on File
Deed SaleSep 29, 2021 · Amount on File
Prior SaleMar 15, 2016 · Amount on File
Deed Document Number2021207904
Deed Book / Page10449 / 1708
Prior Transfer DateFeb 16, 2016
Prior Transfer Doc0093372355
Record UpdatedOct 29, 2026

September 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionPASCO FL
Recording DateSep 29, 2021
Property Address22240 WILLOW LAKES DR, LUTZ, FL 33549-9500
Document Number0104491708
Book / Page10449 / 1708
Map ReferenceMB 33 PG 110-115
Instrument DateSep 21, 2021
Instrument2021207904
Transaction TypeTransfer
Record UpdatedOct 22, 2021
Title CompanyHOUWZER TITLE LLC, HOUWZER TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,255.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address22240 WILLOW LAKES DR, 22240, LUTZ, FL 33549-9500

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address5024 ROYAL CYPRESS CIR, TAMPA, FL 33647-5051

Mortgage

Document Number104491711
DateSep 29, 2021
Instrument10449/1711
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2051

Tax Assessment & Valuation

Source: Pasco County assessment roll, as of December 29, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyPasco County
Unified School DistrictPasco County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$434,360 (+2.9%)$442,760 (-0.11%) Land $85,984 Building $356,776
2025$6,665.00 (+6.11%) Homeowner's exemption$422,120 (+5.98%) Land $85,984 Building $336,136$443,252 (+1.94%) Land $85,984 Building $357,268
2023$6,281.00 (+11.03%) Additional exemption filed$398,290 (+3%) Land $69,934 Building $328,356$434,815 (+12.44%) Land $69,934 Building $364,881
2022$5,657.00 Homeowner's exemption$386,695 Land $59,209 Building $327,486$386,695 Land $59,209 Building $327,486

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 82 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies82 in force
Nearby Flood Claims18 (1982–2024)
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 2 claims
  • Hurricane Frances, Sep 2004 · 2 claims
  • Severe Storms, High Winds, Tornadoes, And Flooding, Feb 1998 · 4 claims

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

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

Wildfire RiskModerate
above 44% of the US · lower than 85% of Florida
Wildfire Likelihood0.07% annual chance
ExposureDirect
burnable vegetation

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 SystemPCUD-PASCO COUNTY REGIONAL PWS
serves 214,403 people · EPA ID FL6511361
Water SourcePurchased surface water from several systems
Last State InspectionJun 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityTotal trihalomethanes
not recorded as resolved · Jan 2026
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting10
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 316 locations within half a mile, as of December 31, 2025

ProviderMax 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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