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22848 Sterling Manor Loop, Lutz, FL 33549 Property Records

Pasco County property record for 22848 Sterling Manor Loop, Lutz, FL 33549

Property Summary

Property TypeSingle Family Home
Details2 ba · 2,300 sqft · built 1990
Lot Size0.177 acres (7,700 sqft)
Owner2 Individual Names on Record
Last Sale$450,000 (Mar 2026)
Tax Bill$3,028 (2025)
Deeds & MortgagesMar 2021 Mortgage
Mar 2026 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN31-26-19-0010-00300-0030

Property Details

APN / Parcel Number

Primary APN31-26-19-0010-00300-0030
Alternative APNs
  • 1926310010003000030
  • 0827101

Interior

Full Baths2 Baths
Stories1 Story
Building Area2,300 sqft Living Area
Gross Area2,720 sqft
1st Floor Area1,922 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area7,700 sqft (0.177 acres)
Garage TypeAttached
Garage Area420 sqft
DrivewayConcrete Driveway
Driveway Area719 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area402 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address22848 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 3 BLOCK 3 OR 9697 PG 2622
Legal Range19E
Legal Township26S
Legal Section31
Legal SubdivisionWILLOW BEND
Legal Tract10
Legal Block3
Legal Lot Number3
JurisdictionPASCO FL
Township / Civil DivisionCENTRAL PASCO
Census Block Group1
Census Block1017
Census Tract32013

Owner

Source: Pasco County records, as of June 30, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address22848 STERLING MANOR LOOP, LUTZ, FL 33549-4105
OccupancyOwner Occupied
Owner TypeIndividual
VestingHis Wife

Deeds, Mortgages & Sale History

DateDocument
Mar 26, 2021Deed of Trust, Mortgage · Conventional Mortgage
RP FUNDING INC
Mar 10, 2026Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Dec 31, 2025Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Mar 23, 2018Special Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Aug 1, 2017Trustee's Deed, Foreclosure
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 10, 2026 · Amount on Record
Deed SaleMar 10, 2026 · Amount on Record
Prior SaleMar 23, 2018 · Amount on Record
Deed Document Number202643895
Deed Book / Page11378 / 2109
Prior Transfer DateDec 18, 2025
Prior Transfer Doc0113402959
Record UpdatedOct 29, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPASCO FL
Property Address22848 STERLING MANOR LOOP, LUTZ, FL 33549-4105
Transaction TypeMortgage
Record UpdatedMar 26, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address22848 STERLING MANOR LOOP, LUTZ, FL 33549-4105

Mortgage

Document Number0103100582
DateMar 26, 2021
Book Page10310/582
Instrument2021061194
Lender
NameRP FUNDING INC
TypeMortgage Company
AddressLAKE MARY, FL 32746
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2051

March 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPASCO FL
Recording DateMar 10, 2026
Property Address22848 STERLING MANOR LOOP, LUTZ, FL 33549-4105
Document Number0113782109
Book / Page11378 / 2109
Map ReferenceMB 28 PG 97-99
Instrument DateFeb 27, 2026
Instrument2026043895
Transaction TypeTransfer
Record UpdatedMar 26, 2026
Title CompanyRED DOOR TITLE, RED DOOR TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,150.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address21425 CLUBSIDE LOOP, LUTZ, FL 33549-8741

Transferred To (Grantee/Buyer)

NameVerified Name
Address22848 STERLING MANOR LOOP, LUTZ, FL 33549-4105

Mortgage

Document Number0113782111
DateMar 10, 2026
Instrument11378/2111
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2056

December 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPASCO FL
Recording DateDec 31, 2025
Property Address22848 STERLING MANOR LOOP, LUTZ, FL 33549-4105
Document Number0113402959
Book / Page11340 / 2959
Map ReferenceMB 28 PG 97-99
Instrument DateDec 18, 2025
Instrument2025242996
Transaction TypeTransfer
Record UpdatedJan 20, 2026
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address22848 STERLING MANOR LOOP, LUTZ, FL 33549-4105

Transferred To (Grantee/Buyer)

NameVerified Name
Address22848 STERLING MANOR LOOP, LUTZ, FL 33549-4105

March 2018: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionPASCO FL
Recording DateMar 23, 2018
Property Address22848 STERLING MANOR LOOP, LUTZ, FL 33549-4105
Document Number0096972622
Book / Page9697 / 2622
Map ReferenceMB28 PG97-99
Instrument DateMar 19, 2018
Instrument2018049393
Transaction TypeTransfer
Record UpdatedDec 13, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,694.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

NameVerified Name
Address22848 STERLING MANOR LOOP, LUTZ, FL 33549-4105

Mortgage

Document Number2018049394
DateMar 23, 2018
Instrument2018049394
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2048

August 2017: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionPASCO FL
Recording DateAug 1, 2017
Property Address22848 STERLING MANOR LOOP, LUTZ, FL 33549-4105
Document Number0095820124
Book / Page009582 / 000124
Instrument DateJul 17, 2017
Instrument120409
Transaction TypeForeclosure
Record UpdatedSep 5, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$1,217.00
Amount AccuracyConfirmed
Additional
  • Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipAssociation
Address14221 DALLAS PKWY #1000 DALLAS TX 752542946, 1000, DALLAS, TX 75254-2946
InvestorPossibly a Property Investor

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$211,830 (+2.9%)$379,906 (-0.12%) Land $80,469 Building $299,437
2025$3,028.00 (+2.61%) Homeowner's exemption$205,860 (+5.98%) Land $80,469 Building $125,391$380,372 (+3.09%) Land $80,469 Building $299,903
2024$2,951.00 (+3.95%)
2023$2,839.00 (+11.38%) Additional exemption filed$194,240 (+3%) Land $64,419 Building $129,821$368,956 (+13.15%) Land $64,419 Building $304,537
2022$2,549.00 Homeowner's exemption$188,590 Land $53,694 Building $134,896$326,081 Land $53,694 Building $272,387

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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