Pinellas County property record for 109 N Duncan Ave, Clearwater, FL 33755
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,104 sqft · built 1952 |
| Lot Size | 0.217 acres (9,448 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $195,000 (Jun 2018) |
| Tax Bill | $6,083 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Nov 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-745-3881-0 |
| Primary APN | C62-000-745-3881-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,104 sqft Living Area |
| Gross Area | 1,422 sqft |
| 1st Floor Area | 1,104 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1952 |
|---|---|
| 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 | 9,448 sqft (0.217 acres) |
| Lot Dimensions | 135 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 30 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R149977 |
|---|---|
| Street Address | 109 N DUNCAN AVE |
| City | CLEARWATER |
| State | FL |
| Zip | 33755-6114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 70FT OF N 390.75FT OF E 135FT OF W 165FT OF NE 1/4 OF NE 1/4 OF SEC 14-29-15 |
| Legal Range | 15E |
| Legal Township | 29S |
| Legal Section | 14 |
| Legal Subdivision | S 70FT OF N 390.75FT OF |
| Legal Lot Number | 22 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 26602 |
Source: Pinellas County records, as of September 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 908 13TH AVE NW, LARGO, FL 33770-1022 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 19, 2026 | Deed of Trust, Mortgage · Line of Credit GOODLEAP LC |
| Nov 15, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Apr 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Jun 25, 2018 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 25, 2018 · Amount on Record |
| Deed Sale | Jun 25, 2018 · Amount on Record |
| Prior Sale | Jul 27, 2012 · Amount on Record |
| Deed Document Number | 2018199428 |
| Deed Book / Page | 20101 / 499 |
| Prior Transfer Date | Dec 5, 2011 |
| Prior Transfer Doc | 0174330343 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 109 N DUNCAN AVE, CLEARWATER, FL 33755-6114 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 109 N DUNCAN AVE, CLEARWATER, FL 33755-6114 |
| Document Number | 0234932037 |
|---|---|
| Date | Mar 19, 2026 |
| Book Page | 23493/2037 |
| Instrument | 2026075186 |
| Name | GOODLEAP LC |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 109 N DUNCAN AVE, CLEARWATER, FL 33755-6114 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2021 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 109 N DUNCAN AVE, CLEARWATER, FL 33755-6114 |
| Document Number | 0218060243 |
|---|---|
| Date | Nov 15, 2021 |
| Book Page | 21806/243 |
| Instrument | 2021371426 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 109 N DUNCAN AVE, CLEARWATER, FL 33755-6114 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2021 |
| Name | Verified Name |
|---|---|
| Address | 109 N DUNCAN AVE, CLEARWATER, FL 33755-6114 |
| Document Number | 0214980371 |
|---|---|
| Date | Apr 22, 2021 |
| Book Page | 21498/371 |
| Instrument | 2021131911 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Jun 25, 2018 |
| Property Address | 109 N DUNCAN AVE, CLEARWATER, FL 33755-6114 |
| Document Number | 0201010499 |
| Book / Page | 20101 / 0499 |
| Map Reference | MB 25 PG 53&54 |
| Instrument Date | Jun 22, 2018 |
| Instrument | 2018199428 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | FIDELITY NATIONAL TITLE OF F |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,365.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 N DUNCAN AVE, CLEARWATER, FL 33755-6114 |
| Document Number | 2018199429 |
|---|---|
| Date | Jun 25, 2018 |
| Instrument | 2018199429 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2048 |
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Municipality | Clearwater City |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,083.00 (+9.27%) | $314,331 (+0.78%) Land $147,501 Building $166,830 | $314,331 (+0.78%) Land $147,501 Building $166,830 |
| 2024 | $5,567.00 (-1.42%) | ||
| 2023 | $5,647.00 (+12.58%) | $311,906 (+20.57%) | $311,906 (+20.57%) Land $180,474 Building $131,432 |
| 2022 | $5,016.00 | $258,698 | $258,698 Land $157,054 Building $101,644 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 20 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 5 (1980–2003) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Apr 2003 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% 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 | CLEARWATER WATER SYSTEM serves 115,000 people · EPA ID FL6520336 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2023 |
| Lead | 3 ppb (2021) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 9 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 409 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 |
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