Pasco County property record for 22703 Saint Thomas Cir, Lutz, FL 33549
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,445 sqft · built 1999 |
| Lot Size | 0.107 acres (4,648 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $175,000 (Aug 2019) |
| Tax Bill | $258 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Mar 2024 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-26-19-0140-00000-0200 |
| Primary APN | 31-26-19-0140-00000-0200 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,445 sqft Living Area |
| Gross Area | 1,886 sqft |
| 1st Floor Area | 1,245 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 4,648 sqft (0.107 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 495 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 251 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 22703 SAINT THOMAS CIR |
|---|---|
| City | LUTZ |
| State | FL |
| Zip | 33549-9366 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MPUD |
| Legal Description | WILLOW BEND TRACT MF-2 PB 35 PGS 102-106 LOT 20 |
| Legal Range | 19E |
| Legal Township | 26S |
| Legal Section | 31 |
| Legal Subdivision | WILLOW BEND |
| Legal Tract | 140 |
| Legal Lot Number | 20 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | CENTRAL PASCO |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 32013 |
Source: Pasco County records, as of August 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 22703 SAINT THOMAS CIR, LUTZ, FL 33549-9366 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 30, 2026 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION |
| Mar 8, 2024 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 25, 2022 | Deed of Trust, Mortgage · Construction Mortgage FREEDOM MORTGAGE CORP |
| Apr 30, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Aug 1, 2019 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2019 · Amount on Record |
| Deed Sale | Aug 1, 2019 · Amount on Record |
| Prior Sale | Nov 25, 2002 · Amount on Record |
| Deed Document Number | 2019129310 |
| Deed Book / Page | 9948 / 1621 |
| Transfer Doc | 4730000768 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Jul 30, 2026 |
| Property Address | 22703 SAINT THOMAS CIR, LUTZ, FL 33549-9366 |
| Document Number | 0000142663 |
| Book / Page | 11467 / 1128 |
| Instrument Date | Jul 24, 2026 |
| Instrument | 2026142663 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 22703 SAINT THOMAS CIR, LUTZ, FL 33549-9366 |
| Document Number | 0000142663, |
|---|---|
| Date | Jul 30, 2026 |
| Book Page | 11467/1128 |
| Instrument | 2026142663 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 22703 SAINT THOMAS CIR, LUTZ, FL 33549-9366 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2024 |
| Name | Verified Name |
|---|---|
| Address | 22703 SAINT THOMAS CIR, LUTZ, FL 33549-9366 |
| Document Number | 0109712932 |
|---|---|
| Date | Mar 8, 2024 |
| Book Page | 10971/2932 |
| Instrument | 2024039184 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | 951 W YAMATO RD STE 175, BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 22703 SAINT THOMAS CIR, LUTZ, FL 33549-9366 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 22703 SAINT THOMAS CIR, LUTZ, FL 33549-9366 |
| Document Number | 0106000632 |
|---|---|
| Date | Apr 25, 2022 |
| Book Page | 10600/632 |
| Instrument | 2022092293 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 22703 SAINT THOMAS CIR, LUTZ, FL 33549-9366 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0100943582 |
|---|---|
| Date | Apr 30, 2020 |
| Book Page | 10094/3582 |
| Instrument | 2020070851 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Aug 1, 2019 |
| Property Address | 22703 SAINT THOMAS CIR, LUTZ, FL 33549-9366 |
| Document Number | 0099481621 |
| Book / Page | 009948 / 001621 |
| Instrument Date | Jul 30, 2019 |
| Instrument | 129310 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,225.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 22703 SAINT THOMAS CIR LUTZ FL 335499366, LUTZ, FL 33549-9366 |
| Document Number | 99481623 |
|---|---|
| Date | Aug 1, 2019 |
| Book Page | 009948/001623 |
| Instrument | 129311 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 31, 2049 |
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 | $194,020 (+2.9%) | $284,068 (-0.21%) Land $59,361 Building $224,707 | |
| 2025 | $258.00 (+5.74%) Homeowner's exemption | $188,560 (+5.98%) Land $59,361 Building $129,199 | $284,667 (+1.57%) Land $59,361 Building $225,306 |
| 2023 | $244.00 (+2.95%) Additional exemption filed | $177,920 (+3%) Land $49,506 Building $128,414 | $280,269 (+11.82%) Land $49,506 Building $230,763 |
| 2022 | $237.00 Homeowner's exemption | $172,740 Land $41,271 Building $131,469 | $250,650 Land $41,271 Building $209,379 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 82 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 82 in force |
| Nearby Flood Claims | 18 (1982–2024) |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within 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 | 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 118 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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