22864 Sterling Manor Loop, Lutz, FL 33549 Property Records

Pasco County property record for 22864 Sterling Manor Loop, Lutz, FL 33549

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,035 sqft · built 1990
Lot Size	0.177 acres (7,700 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Jul 2001)
Tax Bill	$2,625 (2025)
Deeds & Mortgages	Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-26-19-0010-00300-0070`

Property Details

APN / Parcel Number

Primary APN	`31-26-19-0010-00300-0070`
Alternative APNs	`1926310010003000070` `0827105`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,035 sqft Living Area
Gross Area	2,435 sqft
1st Floor Area	2,035 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,700 sqft (0.177 acres)
Garage Type	Attached
Garage Area	400 sqft
Driveway	Concrete Driveway
Driveway Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Open Porch
Porch Area	342 sqft
Deck Area	Deck Area
Patio Area	381 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	22864 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 7 BLOCK 3 OR 4662 PG 1502 & OR 8050 PG 1439
Legal Range	19E
Legal Township	26S
Legal Section	31
Legal Subdivision	WILLOW BEND
Legal Tract	10
Legal Block	3
Legal Lot Number	7
Jurisdiction	PASCO FL
Township / Civil Division	CENTRAL PASCO
Census Block Group	1
Census Block	1017
Census Tract	32013

Owner

Source: Pasco County records, as of December 29, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	22864 STERLING MANOR LOOP, LUTZ, FL 33549-4105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2001 · Amount on Record
Deed Sale	Jul 10, 2001 · Amount on Record
Prior Sale	Apr 25, 1996 · Amount on Record
Deed Book / Page	4662 / 1502
Last Transfer Date	Mar 10, 2009
Transfer Doc	0080501439
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	22864 STERLING MANOR LOOP, LUTZ, FL 33549-4105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100382826
Date	Jan 16, 2020
Book Page	10038/2826
Instrument	2020008160

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2035

Tax Assessment & Valuation

Source: Pasco County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pasco County
Unified School District	Pasco County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$192,310 (+2.9%)	$394,637 (-0.12%) Land $80,469 Building $314,168
2025	$2,625.00 (-0.53%) Homeowner's exemption	$186,890 (+5.98%) Land $80,469 Building $106,421	$395,112 (+3%) Land $80,469 Building $314,643
2024	$2,639.00 (+4.02%)
2023	$2,537.00 (+11.47%) Additional exemption filed	$176,340 (+3%) Land $64,419 Building $111,921	$383,613 (+12.84%) Land $64,419 Building $319,194
2022	$2,276.00 Homeowner's exemption	$171,210 Land $53,694 Building $117,516	$339,973 Land $53,694 Building $286,279

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Record 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	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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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