Pinellas County property record for 1038 Lemon Tree Ln, Palm Harbor, FL 34683
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,853 sqft · built 1984 |
| Lot Size | 0.221 acres (9,627 sqft) |
| Owner | Individual Name on File |
| Last Sale | $559,900 (Jun 2023) |
| Tax Bill | $8,212 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Jun 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-741-0637-8 |
| Primary APN | C62-000-741-0637-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,853 sqft Living Area |
| Gross Area | 2,660 sqft |
| 1st Floor Area | 1,853 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 9,627 sqft (0.221 acres) |
| Lot Dimensions | 120 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 437 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 370 sqft |
| Deck Area | 170 sqft |
| Patio Area | 170 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R382721 |
|---|---|
| Street Address | 1038 LEMON TREE LN |
| City | PALM HARBOR |
| State | FL |
| Zip | 34683-2713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD5 |
| Legal Description | HIDDEN LAKE BLK F, LOT 9 |
| Legal Range | 15E |
| Legal Township | 27S |
| Legal Section | 35 |
| Legal Subdivision | HIDDEN LAKE |
| Legal Tract | 38605 |
| Legal Block | F |
| Legal Lot Number | 9 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 27206 |
1038 Lemon Tree Ln is owned and occupied by an individual who bought it in June 2023.
Source: Pinellas County records, as of September 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1038 LEMON TREE LN, PALM HARBOR, FL 34683-2713 |
| 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.
| Date | Document |
|---|---|
| Sep 1, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jun 8, 2023 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 8, 2023 · Amount on File |
| Deed Sale | Jun 8, 2023 · Amount on File |
| Prior Sale | Jun 1, 2000 · Amount on File |
| Deed Document Number | 2023149470 |
| Deed Book / Page | 22467 / 256 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Sep 1, 2026 |
| Property Address | 1038 LEMON TREE LN, PALM HARBOR, FL 34683-2713 |
| Document Number | 0000235099 |
| Book / Page | 23680 / 938 |
| Instrument Date | Aug 24, 2026 |
| Instrument | 2026235099 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1038 LEMON TREE LN, PALM HARBOR, FL 34683-2713 |
| Document Number | 0000235099, |
|---|---|
| Date | Sep 1, 2026 |
| Book Page | 23680/938 |
| Instrument | 2026235099 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Jun 8, 2023 |
| Property Address | 1038 LEMON TREE LN, PALM HARBOR, FL 34683-2713 |
| Document Number | 0224670256 |
| Book / Page | 22467 / 256 |
| Map Reference | MB 79 PG 54 |
| Instrument Date | May 31, 2023 |
| Instrument | 2023149470 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2023 |
| Title Company | SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,919.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 234 TIMBERLANE DR, PALM HARBOR, FL 34683-1035 |
| Name | Verified Name |
|---|---|
| Address | 1038 LEMON TREE LN, PALM HARBOR, FL 34683-2713 |
| Document Number | 0022467257 |
|---|---|
| Date | Jun 8, 2023 |
| Instrument | 22467/257 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
The 2025 property tax bill for 1038 Lemon Tree Ln was $8,212 with a homeowner's exemption.
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,212.00 Homeowner's exemption | $486,392 Land $140,356 Building $346,036 | $486,392 Land $140,356 Building $346,036 |
| 2023 | $2,636.00 (+0.11%) Homeowner's exemption Widower's exemption | $183,421 (+3%) | $469,657 (+26.99%) Land $227,223 Building $242,434 |
| 2022 | $2,633.00 Homeowner's exemption Widower's exemption | $178,079 | $369,850 Land $183,552 Building $186,298 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 1038 Lemon Tree Ln in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2004.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 52 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 52 in force |
| Nearby Flood Claims | 6 (2004–2024) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| 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.
Wildfire risk around 1038 Lemon Tree Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 | 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 |
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.
Source: FCC Broadband Data Collection, based on 449 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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