Pasco County property record for 22869 Sterling Manor Loop, Lutz, FL 33549
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,728 sqft · built 1991 |
| Lot Size | 0.306 acres (13,355 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $158,000 (Dec 2002) |
| Tax Bill | $258 (2025) |
| Deeds & Mortgages | Apr 2017 Mortgage Jun 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-26-19-0010-00100-0040 |
| Primary APN | 31-26-19-0010-00100-0040 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,728 sqft Living Area |
| Gross Area | 3,002 sqft |
| 1st Floor Area | 1,728 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Exterior Material | Concrete Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 13,355 sqft (0.306 acres) |
| Garage Area | 400 sqft |
| Driveway | Driveway |
| Driveway Area | 505 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 512 sqft |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 874 sqft |
| Patio Area | 672 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 0826903 |
|---|---|
| Old Parcel Number | 1926310010001000040 |
| Street Address | 22869 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(O) PB 28 PGS 97-99 LOT 4 BLOCK 1 OR 5174 PG 846 |
| Legal Range | 19E |
| Legal Township | 26S |
| Legal Section | 31 |
| Legal Subdivision | WILLOW BEND |
| Legal Tract | 10 |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Legal Unit | A-1 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | CENTRAL PASCO |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 32013 |
The current owner of 22869 Sterling Manor Loop bought it in December 2002.
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 Owner Names on File |
|---|---|
| Mailing Address | 22869 STERLING MANOR LOOP, LUTZ, FL 33549-4107 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Apr 10, 2017 | Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK |
| Jun 4, 2018 | Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 19, 2002 · Amount on File |
| Deed Sale | Dec 19, 2002 · Amount on File |
| Deed Document Number | 0517400846 |
| Deed Book / Page | 05174 / 00846 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 22869 STERLING MANOR LOOP, LUTZ, FL 33549-4107 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0095232435 |
|---|---|
| Date | Apr 10, 2017 |
| Book Page | 9523/2435 |
| Instrument | 2017053269 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 22869 STERLING MANOR LOOP, LUTZ, FL 33549-4107 |
| Document Number | 0097381647 |
| Instrument Date | Jun 4, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 22869 STERLING MANOR LOOP LUTZ FL 335494107, LUTZ, FL 33549-4107 |
| Document Number | 0097381647 |
|---|---|
| Date | Jun 8, 2018 |
| Book Page | 009738/001647 |
| Instrument | 97188 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 7, 2048 |
The 2025 property tax bill for 22869 Sterling Manor Loop was $258 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 | $258.00 Homeowner's exemption | $284,000 Land $84,541 Building $199,459 | $432,209 Land $84,541 Building $347,668 |
| 2023 | $244.00 (+2.95%) Additional exemption filed | $267,970 (+3%) Land $68,491 Building $199,479 | $421,382 (+12.53%) Land $68,491 Building $352,891 |
| 2022 | $237.00 Homeowner's exemption | $260,170 Land $57,766 Building $202,404 | $374,464 Land $57,766 Building $316,698 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 22869 Sterling Manor Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 22869 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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