Pasco County property record for 22877 Sterling Manor Loop, Lutz, FL 33549
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,888 sqft · built 1993 |
| Lot Size | 0.232 acres (10,123 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $148,500 (Sep 2012) |
| Tax Bill | $2,381 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit Aug 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-26-19-0010-00100-0060 |
| Primary APN | 31-26-19-0010-00100-0060 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,888 sqft Living Area |
| Gross Area | 2,288 sqft |
| 1st Floor Area | 1,628 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,123 sqft (0.232 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 512 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 327 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 22877 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 6 BLOCK 1 |
| Legal Range | 19E |
| Legal Township | 26S |
| Legal Section | 31 |
| Legal Subdivision | WILLOW BEND |
| Legal Tract | 10 |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | PASCO FL |
| Township / Civil Division | CENTRAL PASCO |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 32013 |
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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 22877 STERLING MANOR LOOP, LUTZ, FL 33549-4107 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Feb 8, 2023 | Deed of Trust, Mortgage · Line of Credit USF FCU |
| Aug 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage USF FCU |
| Jun 7, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 7, 2012 · Amount on Record |
| Deed Sale | Sep 7, 2012 · Amount on Record |
| Prior Sale | Jan 10, 1996 · Amount on Record |
| Deed Document Number | 2012150889 |
| Deed Book / Page | 8751 / 334 |
| Last Transfer Date | May 30, 2019 |
| Transfer Doc | 0099182936 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 22877 STERLING MANOR LOOP, LUTZ, FL 33549-4107 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 22877 STERLING MANOR LOOP, LUTZ, FL 33549-4107 |
| Document Number | 0107633572 |
|---|---|
| Date | Feb 8, 2023 |
| Book Page | 10763/3572 |
| Instrument | 2023022878 |
| Name | USF FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33646 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jan 20, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PASCO FL |
| Property Address | 22877 STERLING MANOR LOOP, LUTZ, FL 33549-4107 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 22877 STERLING MANOR LOOP, LUTZ, FL 33549-4107 |
| Document Number | 0106643269 |
|---|---|
| Date | Aug 2, 2022 |
| Book Page | 10664/3269 |
| Instrument | 2022170621 |
| Name | USF FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33646 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PASCO FL |
| Recording Date | Jun 7, 2019 |
| Property Address | 22877 STERLING MANOR LOOP, LUTZ, FL 33549-4107 |
| Document Number | 0099182936 |
| Book / Page | 009918 / 002936 |
| Instrument Date | May 30, 2019 |
| Instrument | 96276 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 22877 STERLING MANOR LOOP LUTZ FL 335494107, LUTZ, FL 33549-4107 |
Source: Pasco County assessment roll, as of December 29, 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 |
|---|---|---|---|
| 2026 | $172,210 (+2.9%) | $353,423 (-0.11%) Land $82,214 Building $271,209 | |
| 2025 | $2,381.00 (+2.72%) Homeowner's exemption | $167,360 (+5.98%) Land $82,214 Building $85,146 | $353,799 (+3.6%) Land $82,214 Building $271,585 |
| 2024 | $2,318.00 (+4.13%) | ||
| 2023 | $2,226.00 Additional exemption filed | $157,920 Land $66,164 Building $91,756 | $341,516 Land $66,164 Building $275,352 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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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