Pasco County property record for 22860 Sterling Manor Loop, Lutz, FL 33549
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,235 sqft · built 1992 |
| Lot Size | 0.176 acres (7,700 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $25,500 (Dec 1998) |
| Tax Bill | $3,117 (2025) |
| Deeds & Mortgages | Feb 2017 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-26-19-0010-00300-0060 |
| Primary APN | 31-26-19-0010-00300-0060 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,235 sqft Living Area |
| Gross Area | 2,975 sqft |
| 1st Floor Area | 2,235 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Exterior Material | Concrete Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,700 sqft (0.176 acres) |
| Garage Area | 484 sqft |
| Driveway | Driveway |
| Driveway Area | 512 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 448 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 256 sqft |
| Patio Area | 384 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 0827104 |
|---|---|
| Old Parcel Number | 1926310010003000060 |
| Street Address | 22860 STERLING MANOR LOOP |
| City | LUTZ |
| State | FL |
| Zip | 33549-4105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MPUD |
| Legal Description | WILLOW BEND UNIT A-1 PB 28 PGS 97-99 LOT 6 BLOCK 3 OR 4041 PG 675 |
| Legal Range | 19E |
| Legal Township | 26S |
| Legal Section | 31 |
| Legal Subdivision | WILLOW BEND |
| Legal Tract | 10 |
| Legal Block | 3 |
| Legal Lot Number | 6 |
| Legal Unit | A-1 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | CENTRAL PASCO |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 32013 |
22860 Sterling Manor Loop is owned and occupied by two individuals who bought it in December 1998.
Source: Pasco County records, as of December 19, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 22860 STERLING MANOR LOOP, LUTZ, FL 33549-4105 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 1998 · Amount on File |
| Deed Sale | Dec 18, 1998 · Amount on File |
| Prior Sale | Nov 13, 1998 · Amount on File |
| Deed Document Number | 0406201251 |
| Deed Book / Page | 04062 / 01251 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 22860 STERLING MANOR LOOP, LUTZ, FL 33549-4105 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0094950528 |
|---|---|
| Date | Feb 10, 2017 |
| Book Page | 9495/0528 |
| Instrument | 2017018791 |
| Name | GTE FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33602 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2032 |
The 2025 property tax bill for 22860 Sterling Manor Loop was $3,117 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 | $3,117.00 Homeowner's exemption | $211,150 Land $80,469 Building $130,681 | $440,207 Land $80,469 Building $359,738 |
| 2023 | $2,923.00 (+11.35%) Additional exemption filed | $199,230 (+3%) Land $64,419 Building $134,811 | $429,280 (+12.79%) Land $64,419 Building $364,861 |
| 2022 | $2,625.00 Homeowner's exemption | $193,430 Land $53,694 Building $139,736 | $380,588 Land $53,694 Building $326,894 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 22860 Sterling Manor Loop in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 1982.
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 |
|---|---|
| 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 22860 Sterling Manor Loop is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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 154 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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