Pasco County property record for 22821 Saint Thomas Cir, Lutz, FL 33549
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,318 sqft · built 1998 |
| Lot Size | 0.092 acres (4,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $316,800 (Mar 2025) |
| Tax Bill | $4,343 (2025) |
| Deeds & Mortgages | Mar 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-26-19-0140-00000-0360 |
| Primary APN | 31-26-19-0140-00000-0360 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,318 sqft Living Area |
| Gross Area | 1,570 sqft |
| 1st Floor Area | 868 sqft |
| Upper Floors Area | 450 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 4,000 sqft (0.092 acres) |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 512 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 116 sqft |
| Patio Area | 110 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 22821 SAINT THOMAS CIR |
|---|---|
| City | LUTZ |
| State | FL |
| Zip | 33549-9368 |
| 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 36 |
| Legal Range | 19E |
| Legal Township | 26S |
| Legal Section | 31 |
| Legal Subdivision | WILLOW BEND |
| Legal Tract | 140 |
| Legal Lot Number | 36 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | CENTRAL PASCO |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 32013 |
22821 Saint Thomas Cir is owned and occupied by an individual who bought it in March 2025.
Source: Pasco County records, as of December 29, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 22821 SAINT THOMAS CIR, LUTZ, FL 33549-9368 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Woman, Separate Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 12, 2025 · Amount on File |
| Deed Sale | Mar 12, 2025 · Amount on File |
| Prior Sale | Jul 6, 2004 · Amount on File |
| Deed Document Number | 202547884 |
| Deed Book / Page | 11174 / 1216 |
| Prior Transfer Date | Jul 9, 2004 |
| Prior Transfer Doc | 0059460128 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 22821 SAINT THOMAS CIR, LUTZ, FL 33549-9368 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0100672336 |
|---|---|
| Date | Mar 11, 2020 |
| Book Page | 10067/2336 |
| Instrument | 2020042297 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 443 Months |
| Due | Feb 23, 2057 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 22821 Saint Thomas Cir was $4,343, up 4.2% from the year before.
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 | $253,720 (-0.11%) Land $52,640 Building $201,080 | $253,720 (-0.11%) Land $52,640 Building $201,080 | |
| 2025 | $4,343.00 (+4.25%) | $254,010 Land $52,640 Building $201,370 | $254,010 Land $52,640 Building $201,370 |
| 2024 | $4,166.00 (+7.12%) | ||
| 2023 | $3,889.00 (+19.18%) | $249,626 (+12.86%) Land $43,880 Building $205,746 | $249,626 (+12.86%) Land $43,880 Building $205,746 |
| 2022 | $3,263.00 | $221,180 Land $36,560 Building $184,620 | $221,180 Land $36,560 Building $184,620 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 22821 Saint Thomas Cir in Zone X, an area of minimal flood risk, within 100 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 100 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 22821 Saint Thomas Cir is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 316 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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