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22912 Sterling Manor Loop, Lutz, FL 33549 Property Records

Pasco County property record for 22912 Sterling Manor Loop, Lutz, FL 33549

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,636 sqft · built 1994
Lot Size0.178 acres (7,749 sqft)
Owner2 Individual Names on Record
Last Sale$410,000 (Jun 2024)
Tax Bill$5,625 (2025)
Deeds & MortgagesSep 2023 Sale
Jul 2022 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN31-26-19-0010-00300-0110

Property Details

APN / Parcel Number

Primary APN31-26-19-0010-00300-0110
Alternative APNs
  • 1926310010003000110
  • 0827109

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,636 sqft Living Area
Gross Area2,096 sqft
1st Floor Area1,636 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 1994
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area7,749 sqft (0.178 acres)
Garage TypeAttached
Garage Area460 sqft
DrivewayConcrete Driveway
Driveway Area640 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area392 sqft
PorchOpen Porch
Porch Area359 sqft
Deck AreaDeck Area
Patio Area350 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address22912 STERLING MANOR LOOP
CityLUTZ
StateFL
Zip33549-4119
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMPUD
Legal DescriptionWILLOW BEND UNIT A-1 PB 28 PGS 97-99 LOT 11 BLOCK 3
Legal Range19E
Legal Township26S
Legal Section31
Legal SubdivisionWILLOW BEND
Legal Tract10
Legal Block3
Legal Lot Number11
JurisdictionPASCO FL
Township / Civil DivisionCENTRAL PASCO
Census Block Group1
Census Block1017
Census Tract32013

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 Record2 Individual Names on Record
Mailing Address22912 STERLING MANOR LOOP, LUTZ, FL 33549-4119
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Sep 19, 2023Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Jul 13, 2022Warranty Deed, Transfer · Conventional Mortgage
VAN DYK MORTGAGE CORP
Apr 10, 2019Warranty Deed, Transfer · Conventional Mortgage
AMERICAN FINANCIAL NETWORK INC
Mar 28, 2017Intrafamily Transfer, Transfer · Conventional Mortgage
AMERICAN FINANCIAL RESOURCES INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 12, 2024 · Amount on Record
Deed SaleJun 12, 2024 · Amount on Record
Prior SaleSep 19, 2023 · Amount on Record
Deed Document Number2024102822
Deed Book / Page11027 / 860
Prior Transfer DateMar 17, 2017
Prior Transfer Doc0095152466
Record UpdatedJun 8, 2026

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPASCO FL
Recording DateSep 19, 2023
Property Address22912 STERLING MANOR LOOP, LUTZ, FL 33549-4119
Document Number0108881771
Book / Page10888 / 1771
Map ReferenceMB 28 PG 97-99
Instrument DateAug 11, 2023
Instrument2023167219
Transaction TypeTransfer
Record UpdatedOct 3, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$3,181.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address22912 STERLING MANOR LOOP, LUTZ, FL 33549-4119

Transferred To (Grantee/Buyer)

NameVerified Name
Address8200 JONES BRANCH DR, MCLEAN, VA 22102-3107

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPASCO FL
Recording DateJul 13, 2022
Property Address22912 STERLING MANOR LOOP, LUTZ, FL 33549-4119
Document Number0106503546
Book / Page10650 / 3546
Map ReferenceMB 28 PG 97-99
Instrument DateJul 1, 2022
Instrument2022152694
Transaction TypeTransfer
Record UpdatedJul 28, 2022
Title CompanyGREAT AMERICAN TITLE, GREAT AMERICAN TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,290.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1347 N BRIAN AVE, 1347, AZUSA, CA 91702-1802

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address22912 STERLING MANOR LOOP, LUTZ, FL 33549-4119

Mortgage

Document Number0106503548
DateJul 13, 2022
Instrument10650/3548
Lender
NameVAN DYK MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2052

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPASCO FL
Recording DateApr 10, 2019
Property Address22912 STERLING MANOR LOOP, LUTZ, FL 33549-4119
Document Number0098871153
Book / Page9887 / 1153
Map ReferenceMB 28 PG 97-99
Instrument DateApr 5, 2019
Instrument2019059778
Transaction TypeTransfer
Record UpdatedDec 13, 2021
Title CompanyCAPSTONE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,890.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5047 SILVER CHARM TER, 5047, WESLEY CHAPEL, FL 33544-1583

Transferred To (Grantee/Buyer)

NameVerified Name
Address22912 STERLING MANOR LOOP, LUTZ, FL 33549-4119

Mortgage

Document Number2019059779
DateApr 10, 2019
Instrument2019059779
Lender
NameAMERICAN FINANCIAL NETWORK INC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2049

March 2017: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPASCO FL
Recording DateMar 28, 2017
Property Address22912 STERLING MANOR LOOP, LUTZ, FL 33549-4119
Document Number0095152466
Book / Page9515 / 2466
Instrument DateMar 17, 2017
Instrument2017044159
Transaction TypeTransfer
Record UpdatedDec 13, 2021
Title CompanyLIBERTY TITLE & ESCROW CO

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address22912 STERLING MANOR LOOP, LUTZ, FL 33549-4119

Mortgage

Document Number2017044160
DateMar 28, 2017
Instrument2017044160
Lender
NameAMERICAN FINANCIAL RESOURCES INC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueApr 1, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPasco County
Unified School DistrictPasco County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$359,890 (-0.11%) Land $80,505 Building $279,385$359,890 (-0.11%) Land $80,505 Building $279,385
2025$5,625.00 (-12.66%) Homeowner's exemption$360,291 (+3.57%) Land $80,505 Building $279,786$360,291 (+3.57%) Land $80,505 Building $279,786
2024$6,440.00 (+5.35%)
2023$6,113.00 (+36.79%)$347,863 (+12.92%) Land $64,455 Building $283,408$347,863 (+12.92%) Land $64,455 Building $283,408
2022$4,469.00$308,062 Land $53,730 Building $254,332$308,062 Land $53,730 Building $254,332

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 82 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies82 in force
Nearby Flood Claims18 (1982–2024)
Most Recent ClaimOct 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 RiskLow
lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood0.05% annual chance
ExposureNone
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 SystemPCUD-PASCO COUNTY REGIONAL PWS
serves 214,403 people · EPA ID FL6511361
Water SourcePurchased surface water from several systems
Last State InspectionJun 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityTotal trihalomethanes
not recorded as resolved · Jan 2026
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting10
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

ProviderMax 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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