1041 Sutton Pl, Palm Harbor, FL 34684 Property Records

Pinellas County property record for 1041 Sutton Pl, Palm Harbor, FL 34684

Property Summary

Property Type	Planned Unit Development
Details	1,220 sqft · built 1985
Owner	Individual Name on Record
Last Sale	$305,000 (Nov 2021)
Tax Bill	$3,800 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-758-4529-7`

Property Details

APN / Parcel Number

Primary APN	`C62-000-758-4529-7`
Alternative APNs	`05-28-16-38921-000-0890` `162805389210000890` `R43523`

Interior

Stories	1 Story
Building Area	1,220 sqft Heated Area
1st Floor Area	1,220 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1992
Exterior Material	Brick/Stone
Construction Type	Wood Frame
Lot Dimensions	105 ft deep x 86 ft wide
View / Lot	Average
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	R43523
Old Parcel Number	162805389210000890
Street Address	1041 SUTTON PL
City	PALM HARBOR
State	FL
Zip	34684-3041
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Legal Description	HIGHLAND LAKES UNIT SIXTEEN PHASE 2 LOT 89
Legal Range	16
Legal Township	28
Legal Section	05
Legal Subdivision	HIGHLAND LAKES
Legal Phase	2
Legal Lot Number	89
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	2
Census Block	2000
Census Tract	27331

Owner

Source: Pinellas County records, as of December 26, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1041 SUTTON PL, PALM HARBOR, FL 34684-3041
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2021 · Amount on Record
Deed Sale	Nov 22, 2021 · Amount on Record
Prior Sale	May 6, 1998
Deed Document Number	2021379086
Deed Book / Page	21816 / 432
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Nov 22, 2021
Property Address	1041 SUTTON PL, PALM HARBOR, FL 34684-3041
Document Number	0218160432
Book / Page	21816 / 432
Map Reference	MB 90 PG 16-18
Instrument Date	Nov 12, 2021
Instrument	2021379086
Transaction Type	Transfer
Record Updated	Dec 10, 2021
Title Company	PLATINUM NATIONAL TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	700 MEASE PLZ APT 713, 700, DUNEDIN, FL 34698-6636

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1041 SUTTON PL, PALM HARBOR, FL 34684-3041

Mortgage

Document Number	21816434
Date	Nov 22, 2021
Instrument	21816/434

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of July 1, 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	$3,800.00 (+7.83%) Homeowner's exemption	$244,864 (+5.99%)	$278,824 (+11.61%) Building $278,824
2023	$3,524.00 (+3.04%) Homeowner's exemption	$231,032 (+3%)	$249,817 (+11.37%) Building $249,817
2022	$3,420.00 Homeowner's exemption	$224,303	$224,303 Building $224,303

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 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 Record median of 45 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	45 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2024 · Hurricane Milton

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 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.

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 473 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	1,000 / 1,000