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22838 Sterling Manor Loop, Lutz, FL 33549 Property Records

Pasco County property record for 22838 Sterling Manor Loop, Lutz, FL 33549

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,669 sqft · built 1994
Lot Size0.321 acres (13,987 sqft)
OwnerIndividual Name on Record
Last Sale$415,000 (Jan 2024)
Tax Bill$5,762 (2025)
Deeds & MortgagesJan 2024 Sale
Feb 2022 Line of Credit
Flood ZoneZone X (minimal risk)
APN31-26-19-0010-00300-0010

Property Details

APN / Parcel Number

Primary APN31-26-19-0010-00300-0010
Alternative APNs
  • 1926310010003000010
  • 0827012

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,669 sqft Living Area
Gross Area2,442 sqft
1st Floor Area1,669 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1994
Exterior MaterialConcrete Block
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area13,987 sqft (0.321 acres)
Garage Area483 sqft
DrivewayDriveway
Driveway Area640 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area392 sqft
PorchPorch
Porch Area290 sqft
Patio Area248 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Account Number0827012
Old Parcel Number1926310010003000010
Street Address22838 STERLING MANOR LOOP
CityLUTZ
StateFL
Zip33549-4105
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMPUD
Legal DescriptionWILLOW BEND UNIT A-1 PB 28 PGS 97-99 LOT 1 BLOCK 3
Legal Range19E
Legal Township26S
Legal Section31
Legal SubdivisionWILLOW BEND
Legal Tract10
Legal Block3
Legal Lot Number1
Legal UnitA-1
JurisdictionPASCO FL
Township / Civil DivisionCENTRAL PASCO
Census Block Group1
Census Block1017
Census Tract32013

Owner

Source: Pasco County records, as of December 19, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address22838 STERLING MANOR LOOP, LUTZ, FL 33549-4105
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 3, 2024Warranty Deed, Transfer
EXECUTIVE TITLE, EXECUTIVE TITLE OF FL INC
Feb 2, 2022Deed of Trust, Mortgage · Line of Credit
TRUIST BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 3, 2024 · Amount on Record
Deed SaleJan 3, 2024 · Amount on Record
Prior SaleMar 24, 2003 · Amount on Record
Deed Document Number2024000559
Deed Book / Page10938 / 1831
Record UpdatedJun 8, 2026

January 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPASCO FL
Recording DateJan 3, 2024
Property Address22838 STERLING MANOR LOOP, LUTZ, FL 33549-4105
Document Number0109381831
Book / Page10938 / 1831
Map ReferenceMB 28 PG 97
Instrument DateDec 11, 2023
Instrument2024000559
Transaction TypeTransfer
Record UpdatedJan 19, 2024
Title CompanyEXECUTIVE TITLE, EXECUTIVE TITLE OF FL INC

Transaction

AmountAmount Recorded
Tax$2,905.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6504 W LINDEN DR, HOMOSASSA, FL 34446-3070

Transferred To (Grantee/Buyer)

NameVerified Name
Address22838 STERLING MANOR LOOP, LUTZ, FL 33549-4105

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPASCO FL
Property Address22838 STERLING MANOR LOOP, LUTZ, FL 33549-4105
Transaction TypeMortgage
Record UpdatedFeb 16, 2022
Title CompanyTITLE 365, TITLE365

Transferred To (Grantee/Buyer)

NameVerified Name
Address22838 STERLING MANOR LOOP, LUTZ, FL 33549-4105

Mortgage

Document Number0105431440
DateFeb 2, 2022
Book Page10543/1440
Instrument2022028793
Lender
NameTRUIST BANK
TypeBank
AddressORLANDO, FL 32809
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Pasco County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,762.00 (+135.66%) Homeowner's exemption$368,452 (+115.6%) Land $84,996 Building $283,456$368,452 (+3.48%) Land $84,996 Building $283,456
2023$2,445.00 (+11.49%) Additional exemption filed$170,900 (+3%) Land $68,946 Building $101,954$356,055 (+12.72%) Land $68,946 Building $287,109
2022$2,193.00 Homeowner's exemption$165,930 Land $58,221 Building $107,709$315,865 Land $58,221 Building $257,644

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 Record
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 RiskLow
lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood0.05% annual chance
ExposureNone
beyond ember reach

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 154 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
T-Mobile
Fixed Wireless		100 / 20

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