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22913 Sterling Manor Loop, Lutz, FL 33549 Property Records

Pasco County property record for 22913 Sterling Manor Loop, Lutz, FL 33549

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,860 sqft · built 1993
Lot Size0.261 acres (11,384 sqft)
Owner2 Trust Names on File
Last Sale$340,000 (Jan 2023)
Tax Bill$6,232 (2025)
Deeds & MortgagesJan 2023 Sale & Mortgage
Jan 2023 Sale
+ 3 more
Flood ZoneZone X (minimal risk)
APN31-26-19-0010-00100-0100

Property Details

APN / Parcel Number

Primary APN31-26-19-0010-00100-0100
Alternative APNs
  • 1926310010001000100
  • 0826909

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,860 sqft Living Area
Gross Area2,354 sqft
1st Floor Area1,620 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 1993
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area11,384 sqft (0.261 acres)
Garage TypeAttached
Garage Area494 sqft
DrivewayConcrete Driveway
Driveway Area512 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area329 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address22913 STERLING MANOR LOOP
CityLUTZ
StateFL
Zip33549-4146
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMPUD
Legal DescriptionWILLOW BEND UNIT A-1 PB 28 PGS 97-99 LOT 10 BLOCK 1
Legal Range19E
Legal Township26S
Legal Section31
Legal SubdivisionWILLOW BEND
Legal Tract10
Legal Block1
Legal Lot Number10
JurisdictionPASCO FL
Township / Civil DivisionCENTRAL PASCO
Census Block Group1
Census Block1016
Census Tract32013

Owner

22913 Sterling Manor Loop is held in a trust since December 2024.

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

Owner of Record2 Trust Names on File
Mailing Address3810 EVERGREEN OAKS DR, LUTZ, FL 33558-5041
Owner TypeCompany
VestingTrust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jan 24, 2023Warranty Deed, Transfer · Conventional Mortgage
HOME ACCESS FINANCIAL LLC
Jan 24, 2023Warranty Deed, Transfer
MASTERPIECE TITLE
Jan 24, 2023Warranty Deed, Transfer
MASTERPIECE TITLE
Jan 24, 2023Warranty Deed, Transfer
MASTERPIECE TITLE
Sep 3, 2019Warranty Deed, Transfer · Conventional Mortgage
TEN TEN INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 24, 2023 · Amount on File
Deed SaleJan 24, 2023 · Amount on File
Prior SaleDec 9, 1993 · Amount on File
Deed Document Number202312886
Deed Book / Page10755 / 1203
Last Transfer DateDec 6, 2024
Transfer Doc0111233070
Record UpdatedJun 8, 2026

January 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPASCO FL
Recording DateJan 24, 2023
Property Address22913 STERLING MANOR LOOP, LUTZ, FL 33549-4146
Document Number0107551203
Book / Page10755 / 1203
Map ReferenceMB 28 PG 97-99
Instrument DateJan 17, 2023
Instrument2023012886
Transaction TypeTransfer
Record UpdatedFeb 8, 2023
Title CompanyMASTERPIECE TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,380.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address18534 LAFUENTE COURT, SPRING HILL, FL 34610

Transferred To (Grantee/Buyer)

NameVerified Name
Address11922 CYPRESS CREST CIR, TAMPA, FL 33626-3604

Mortgage

Document Number0107551206
DateJan 24, 2023
Instrument10755/1206
Lender
NameHOME ACCESS FINANCIAL LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2053

January 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPASCO FL
Recording DateJan 24, 2023
Property Address22913 STERLING MANOR LOOP, LUTZ, FL 33549-4146
Document Number0107551201
Book / Page10755 / 1201
Map ReferenceMB 28 PG 97-99
Instrument DateJan 9, 2023
Instrument2023012885
Transaction TypeTransfer
Record UpdatedFeb 8, 2023
Title CompanyMASTERPIECE TITLE

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7007 N EXETER PL, MERIDIAN, ID 83646-4682

Transferred To (Grantee/Buyer)

NameVerified Name
Address11922 CYPRESS CREST CIR, TAMPA, FL 33626-3604

January 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPASCO FL
Recording DateJan 24, 2023
Property Address22913 STERLING MANOR LOOP, LUTZ, FL 33549-4146
Document Number0107551197
Book / Page10755 / 1197
Map ReferenceMB 28 PG 97-99
Instrument DateJan 9, 2023
Instrument2023012883
Transaction TypeTransfer
Record UpdatedFeb 8, 2023
Title CompanyMASTERPIECE TITLE

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8702 N ATKINS WAY, MARTINSVILLE, IN 46151-6122

Transferred To (Grantee/Buyer)

NameVerified Name
Address11922 CYPRESS CREST CIR, TAMPA, FL 33626-3604

January 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPASCO FL
Recording DateJan 24, 2023
Property Address22913 STERLING MANOR LOOP, LUTZ, FL 33549-4146
Document Number0107551199
Book / Page10755 / 1199
Map ReferenceMB 28 PG 97-99
Instrument DateJan 9, 2023
Instrument2023012884
Transaction TypeTransfer
Record UpdatedFeb 8, 2023
Title CompanyMASTERPIECE TITLE

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 5964, SNOWMASS VILLAGE, CO 81615-5964

Transferred To (Grantee/Buyer)

NameVerified Name
Address11922 CYPRESS CREST CIR, TAMPA, FL 33626-3604

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPASCO FL
Recording DateSep 3, 2019
Property Address22913 STERLING MANOR LOOP, LUTZ, FL 33549-4146
Document Number0099653392
Book / Page009965 / 003392
Instrument DateAug 20, 2019
Instrument148345
Transaction TypeTransfer
Record UpdatedSep 16, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,150.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address11014 CINDERLANE PL TEMPLE TERRACE FL 336172518, TEMPLE TERRACE, FL 33617-2518

Mortgage

Document Number99653396
DateSep 3, 2019
Book Page009965/003396
Instrument148347
Lender
NameTEN TEN INC
Address17937 HUNTING BOW CIR, LUTZ, FL 33558-5377
Agreement
TypeConventional Mortgage
AmountAmount on Record
Interest
Rate18%

Tax Assessment & Valuation

The 2025 property tax bill for 22913 Sterling Manor Loop was $6,232, down 2.1% from the year before.

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$354,870 (-0.11%) Land $83,722 Building $271,148$354,870 (-0.11%) Land $83,722 Building $271,148
2025$6,232.00 (-2.06%)$355,247 Land $83,722 Building $271,525$355,247 Land $83,722 Building $271,525
2024$6,363.00 (+7.39%)
2023$5,925.00 (+18.83%)$342,814 (+13.24%) Land $67,522 Building $275,292$342,814 (+13.24%) Land $67,522 Building $275,292
2022$4,986.00$302,734 Land $56,722 Building $246,012$302,734 Land $56,722 Building $246,012

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

Flood

FEMA maps place 22913 Sterling Manor Loop in Zone X, an area of minimal flood risk, within 100 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
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

Wildfire risk around 22913 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 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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