Pasco County property record for 22865 Sterling Manor Loop, Lutz, FL 33549
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,927 sqft · built 1992 |
| Lot Size | 0.237 acres (10,324 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $98,900 (Dec 1992) |
| Tax Bill | $2,777 (2025) |
| Deeds & Mortgages | Oct 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-26-19-0010-00100-0030 |
| Primary APN | 31-26-19-0010-00100-0030 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,927 sqft Living Area |
| Gross Area | 2,590 sqft |
| 1st Floor Area | 1,927 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Exterior Material | Concrete Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,324 sqft (0.237 acres) |
| Garage Area | 400 sqft |
| Driveway | Driveway |
| Driveway Area | 640 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 324 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 263 sqft |
| Patio Area | 532 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 0826902 |
|---|---|
| Old Parcel Number | 1926310010001000030 |
| Street Address | 22865 STERLING MANOR LOOP |
| City | LUTZ |
| State | FL |
| Zip | 33549-4107 |
| 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 3 BLOCK 1 OR 3096 PG 680 |
| Legal Range | 19E |
| Legal Township | 26S |
| Legal Section | 31 |
| Legal Subdivision | WILLOW BEND |
| Legal Tract | 10 |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Legal Unit | A-1 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | CENTRAL PASCO |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 32013 |
22865 Sterling Manor Loop is owned and occupied by two individuals who bought it in December 1992.
Source: Pasco County records, as of December 19, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 22865 STERLING MANOR LOOP, LUTZ, FL 33549-4107 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 1992 · Amount on File |
| Deed Sale | Dec 1, 1992 · Amount on File |
| Deed Document Number | 0003096680 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 22865 STERLING MANOR LOOP, LUTZ, FL 33549-4107 |
| Document Number | 0096301726 |
| Instrument Date | Oct 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 22865 STERLING MANOR LOOP LUTZ FL 335494107, LUTZ, FL 33549-4107 |
| Document Number | 0096301726 |
|---|---|
| Date | Nov 7, 2017 |
| Book Page | 009630/001726 |
| Instrument | 175720 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 6, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 22865 Sterling Manor Loop was $2,777 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 | $2,777.00 Homeowner's exemption | $190,930 Land $82,358 Building $108,572 | $381,553 Land $82,358 Building $299,195 |
| 2023 | $2,601.00 (+11.44%) Additional exemption filed | $180,150 (+3%) Land $66,308 Building $113,842 | $369,702 (+12.65%) Land $66,308 Building $303,394 |
| 2022 | $2,334.00 Homeowner's exemption | $174,910 Land $55,583 Building $119,327 | $328,180 Land $55,583 Building $272,597 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 22865 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 22865 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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