Pasco County property record for 22809 Willow Lakes Dr, Lutz, FL 33549
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,177 sqft · built 1994 |
| Lot Size | 0.219 acres (9,546 sqft) |
| Owner | Individual Name on File |
| Last Sale | $309,000 (Jun 2018) |
| Tax Bill | $258 (2025) |
| Deeds & Mortgages | Jul 2019 Mortgage Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-26-19-0040-00000-0010 |
| Primary APN | 31-26-19-0040-00000-0010 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,177 sqft Living Area |
| Gross Area | 3,241 sqft |
| 1st Floor Area | 2,177 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Exterior Material | Concrete Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,546 sqft (0.219 acres) |
| Garage Area | 483 sqft |
| Driveway | Driveway |
| Driveway Area | 368 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 180 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 581 sqft |
| Patio Area | 429 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 0828109 |
|---|---|
| Old Parcel Number | 1926310040000000010 |
| Street Address | 22809 WILLOW LAKES DR |
| City | LUTZ |
| State | FL |
| Zip | 33549-8739 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MPUD |
| Legal Description | WILLOW BEND UNIT B-1 PB 31 PGS 32-37 LOT 1 SUBJECT TO A PERPETUAL EXCLUSIVE EASEMENT PER OR 5948 PG 330 OR 9736 PG 1449 |
| Legal Range | 19E |
| Legal Township | 26S |
| Legal Section | 31 |
| Legal Subdivision | WILLOW BEND |
| Legal Tract | 40 |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Legal Unit | B-1 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | CENTRAL PASCO |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 32013 |
22809 Willow Lakes Dr is owned and occupied by an individual who bought it in June 2018.
Source: Pasco County records, as of December 19, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 22809 WILLOW LAKES DR, LUTZ, FL 33549-8739 |
| 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 1, 2019 | Deed of Trust, Mortgage · VA Mortgage USAA |
| Jun 5, 2018 | Warranty Deed, Transfer · VA Mortgage FIRST POINT FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 5, 2018 · Amount on File |
| Deed Sale | Jun 5, 2018 · Amount on File |
| Prior Sale | May 11, 2006 · Amount on File |
| Deed Document Number | 2018094682 |
| Deed Book / Page | 9736 / 1449 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 22809 WILLOW LAKES DR, LUTZ, FL 33549-8739 |
| Document Number | 0099471932 |
| Instrument Date | Jul 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 22809 WILLOW LAKES DR LUTZ FL 335498739, LUTZ, FL 33549-8739 |
| Document Number | 0099471932 |
|---|---|
| Date | Jul 30, 2019 |
| Book Page | 009947/001932 |
| Instrument | 128198 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 29, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Jun 5, 2018 |
| Property Address | 22809 WILLOW LAKES DR, LUTZ, FL 33549-8739 |
| Document Number | 0097361449 |
| Book / Page | 9736 / 1449 |
| Map Reference | MB31 PG32-37 |
| Instrument Date | May 25, 2018 |
| Instrument | 2018094682 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2021 |
| Title Company | FIDELITY NATL TITLE OF FLORI |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,163.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16219 IVY LAKE DR, 16219, ODESSA, FL 33556-6047 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 22809 WILLOW LAKES DR, WESLEY CHAPEL, FL 33544 |
| Document Number | 2018094683 |
|---|---|
| Date | Jun 5, 2018 |
| Instrument | 2018094683 |
| Name | FIRST POINT FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2048 |
The 2025 property tax bill for 22809 Willow Lakes Dr was $258 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 | $258.00 Homeowner's exemption | $285,050 Land $81,798 Building $203,252 | $441,015 Land $81,798 Building $359,217 |
| 2023 | $244.00 (-93.24%) Additional exemption filed | $268,960 (+3%) Land $65,748 Building $203,212 | $429,745 (+12.83%) Land $65,748 Building $363,997 |
| 2022 | $3,608.00 Homeowner's exemption | $261,130 Land $55,023 Building $206,107 | $380,889 Land $55,023 Building $325,866 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 22809 Willow Lakes Dr 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 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.
Wildfire risk around 22809 Willow Lakes Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% 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 | 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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