10 Cypress Dr, Palm Harbor, FL 34684 Property Records

Pinellas County property record for 10 Cypress Dr, Palm Harbor, FL 34684

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,078 sqft · built 1982
Lot Size	0.137 acres (5,959 sqft)
Owner	Individual Name on File
Last Sale	$190,750 (Nov 2018)
Tax Bill	$2,285 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`C62-000-757-5237-8`

Property Details

APN / Parcel Number

Primary APN	`C62-000-757-5237-8`
Alternative APNs	`30-27-16-48546-000-0100` `271630485460000100` `162730485460000100` `R322084`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,078 sqft Living Area
Gross Area	1,309 sqft
1st Floor Area	1,078 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2003
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,959 sqft (0.137 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Area	242 sqft

Exterior Amenities

Porch	Patio
Porch Area	231 sqft
Deck Area	143 sqft
Patio Area	143 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R322084
Street Address	10 CYPRESS DR
City	PALM HARBOR
State	FL
Zip	34684-1209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LAKE SHORE ESTATES 3RD ADD LOT 10
Legal Range	16E
Legal Township	27S
Legal Section	30
Legal Subdivision	LAKE SHORE ESTATES 3RD ADD
Legal Tract	48546
Legal Lot Number	10
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	2
Census Block	2011
Census Tract	27204

Owner

10 Cypress Dr is owned and occupied by an individual who bought it in November 2018.

Source: Pinellas County records, as of September 10, 2026

Owner of Record	Individual Name on File
Mailing Address	10 CYPRESS DR, PALM HARBOR, FL 34684-1209
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Apr 4, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 1, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 29, 2018	Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC
Feb 21, 2017	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2018 · Amount on File
Deed Sale	Nov 29, 2018 · Amount on File
Prior Sale	Feb 21, 2017 · Amount on File
Deed Document Number	2018382233
Deed Book / Page	20351 / 371
Transfer Doc	9384001212
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10 CYPRESS DR, PALM HARBOR, FL 34684-1209
Transaction Type	Mortgage
Record Updated	Apr 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 CYPRESS DR, PALM HARBOR, FL 34684-1209

Mortgage

Document Number	0220031377
Date	Apr 4, 2022
Book Page	22003/1377
Instrument	2022104459

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10 CYPRESS DR, PALM HARBOR, FL 34684-1209
Transaction Type	Mortgage
Record Updated	Mar 12, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 CYPRESS DR, PALM HARBOR, FL 34684-1209

Mortgage

Document Number	0214111560
Date	Mar 1, 2021
Book Page	21411/1560
Instrument	2021066017

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2051

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Nov 29, 2018
Property Address	10 CYPRESS DR, PALM HARBOR, FL 34684-1209
Document Number	0203510371
Book / Page	20351 / 0371
Map Reference	MB 46 PG 15
Instrument Date	Nov 29, 2018
Instrument	2018382233
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	TRUST TITLE SOLUTIONS LTD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,335.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	188 ARBOR DR W, 188, PALM HARBOR, FL 34683-5713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 CYPRESS DR, PALM HARBOR, FL 34684-1209

Mortgage

Document Number	2018382235
Date	Nov 29, 2018
Instrument	2018382235

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Feb 21, 2017
Property Address	10 CYPRESS DR, PALM HARBOR, FL 34684-1209
Document Number	0195260683
Book / Page	19526 / 0683
Map Reference	MB46 PG15
Instrument Date	Feb 17, 2017
Instrument	2017055294
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	DYNAMIC TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3752 OLD KEYSTONE RD, 3752, TARPON SPRINGS, FL 34688-7808

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 CYPRESS DR, PALM HARBOR, FL 34684-1209

Mortgage

Document Number	2017055295
Date	Feb 21, 2017
Instrument	2017055295

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 10 Cypress Dr was $2,285 with a homeowner's exemption.

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,285.00 Homeowner's exemption	$162,362	$242,305 Land $77,298 Building $165,007
2023	$2,101.00 (+3.65%) Homeowner's exemption	$153,190 (+3%)	$208,229 (+3.02%) Land $89,244 Building $118,985
2022	$2,027.00 Homeowner's exemption	$148,728	$202,119 Land $97,031 Building $105,088

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

Flood

FEMA maps place 10 Cypress Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 183 individual policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	207 units insured incl. 24 condo units
Nearby Flood Claims	10 (2012–2024)
Claims Outside the SFHA	1 of 10
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 3 claims Hurricane Helene, Sep 2024 · 2 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

The area around 10 Cypress Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	PINELLAS COUNTY UTILITIES serves 506,353 people · EPA ID FL6521405
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2023
Lead	Under 1 ppb (2020) action level 15 ppb

Violations Reported to EPA

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

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	17 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 277 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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