22938 Sterling Manor Loop, Lutz, FL 33549 Property Records

Pasco County property record for 22938 Sterling Manor Loop, Lutz, FL 33549

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,341 sqft · built 1993
Lot Size	0.256 acres (11,168 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Apr 2026)
Tax Bill	$8,111 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-26-19-0010-00300-0150`

Property Details

APN / Parcel Number

Primary APN	`31-26-19-0010-00300-0150`
Alternative APNs	`1926310010003000150` `0827113`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,341 sqft Living Area
Gross Area	3,445 sqft
1st Floor Area	2,341 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

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	11,168 sqft (0.256 acres)
Garage Type	Attached
Garage Area	576 sqft
Driveway	Concrete Driveway
Driveway Area	1,200 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	588 sqft
Patio Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	22938 STERLING MANOR LOOP
City	LUTZ
State	FL
Zip	33549-4119
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 15 BLOCK 3 OR 9317 PG 0250
Legal Range	19E
Legal Township	26S
Legal Section	31
Legal Subdivision	WILLOW BEND
Legal Tract	10
Legal Block	3
Legal Lot Number	15
Jurisdiction	PASCO FL
Township / Civil Division	CENTRAL PASCO
Census Block Group	1
Census Block	1017
Census Tract	32013

Owner

Source: Pasco County records, as of April 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4806 COUNTRY HILLS DR, TAMPA, FL 33624-1509
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2026 · Amount on Record
Deed Sale	Apr 8, 2026 · Amount on Record
Prior Sale	Jan 28, 2016 · Amount on Record
Deed Document Number	202662961
Deed Book / Page	11396 / 294
Record Updated	Oct 29, 2026

April 2026: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	PASCO FL
Recording Date	Apr 8, 2026
Property Address	22938 STERLING MANOR LOOP, LUTZ, FL 33549-4119
Document Number	0113960294
Book / Page	11396 / 294
Instrument Date	Mar 26, 2026
Instrument	202662961
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$342,895.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4806 COUNTRY HILLS DR, TAMPA, FL 33624-1509
Investor	Possibly a Property Investor

Mortgage

Document Number	0000062962,
Date	Apr 8, 2026
Instrument	202662962

Lender

Name	JMAC LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Pasco County
Unified School District	Pasco County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$466,436 (-0.12%) Land $82,966 Building $383,470	$466,436 (-0.12%) Land $82,966 Building $383,470
2025	$8,111.00 (-2.21%)	$466,995 (-1.63%) Land $82,966 Building $384,029	$466,995 (-1.63%) Land $82,966 Building $384,029
2024	$8,294.00 (+3,299.18%)	$474,750 (+76.38%) Land $82,966 Building $391,784	$474,750 (+4.06%) Land $82,966 Building $391,784
2023	$244.00 (-93.39%) Additional exemption filed	$269,160 (+3%) Land $66,916 Building $202,244	$456,247 (+12.86%) Land $66,916 Building $389,331
2022	$3,690.00 Homeowner's exemption	$261,320 Land $56,191 Building $205,129	$404,253 Land $56,191 Building $348,062

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 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	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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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