1105 Pepperidge Dr, Palm Harbor, FL 34683 Property Records

Pinellas County property record for 1105 Pepperidge Dr, Palm Harbor, FL 34683

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,170 sqft · built 1983
Lot Size	0.186 acres (8,120 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (Jun 2022)
Tax Bill	$6,558 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-741-5542-5`

Property Details

APN / Parcel Number

Primary APN	`C62-000-741-5542-5`
Alternative APNs	`11-28-15-28951-000-0440` `281511289510000440` `152811289510000440` `R119913`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,170 sqft Living Area
Gross Area	2,720 sqft
1st Floor Area	2,170 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2000
Architectural Style	Custom Design
Exterior Material	Brick/Concrete Block Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,120 sqft (0.186 acres)
Lot Dimensions	95 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	458 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	92 sqft
Deck Area	246 sqft
Patio Area	246 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R119913
Street Address	1105 PEPPERIDGE DR
City	PALM HARBOR
State	FL
Zip	34683-5919
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	FOREST GROVE, PHASE III LOT 44
Legal Range	15E
Legal Township	28S
Legal Section	11
Legal Subdivision	FOREST GROVE, PHASE III
Legal Phase	3
Legal Tract	28951
Legal Lot Number	44
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1010
Census Tract	27210

Owner

1105 Pepperidge Dr is owned and occupied by two individuals who bought it in June 2022.

Source: Pinellas County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1105 PEPPERIDGE DR, PALM HARBOR, FL 34683-5919
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 25, 2022	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
May 6, 2020	Warranty Deed, Transfer · VA Mortgage SECURITY NATIONAL MORTGAGE CO
May 6, 2020	Quit Claim Deed, Transfer TEXAS TITLE SOLUTIONS, TOTAL TITLE SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2022 · Amount on File
Deed Sale	Jun 25, 2022 · Amount on File
Prior Sale	May 6, 2020 · Amount on File
Deed Document Number	2022198068
Deed Book / Page	22113 / 2676
Prior Transfer Date	Apr 30, 2020
Prior Transfer Doc	0209922194
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jun 25, 2022
Property Address	1105 PEPPERIDGE DR, PALM HARBOR, FL 34683-5919
Document Number	0221132676
Book / Page	22113 / 2676
Map Reference	MB 74 PG 3
Instrument Date	Apr 28, 2022
Instrument	2022198068
Transaction Type	Transfer
Record Updated	Jul 13, 2022
Title Company	STAR TITLE PARTNERS/PALM HARBOR, STAR TTL PARTNERS OF PALM HA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8664 ORCHID DR, 8664, SEMINOLE, FL 33777-3329

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1105 PEPPERIDGE DR, PALM HARBOR, FL 34683-5919

Mortgage

Document Number	0221132678
Date	Jun 25, 2022
Instrument	22113/2678

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 1, 2052

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	May 6, 2020
Property Address	1105 PEPPERIDGE DR, PALM HARBOR, FL 34683-5919
Document Number	0209922196
Book / Page	20992 / 2196
Map Reference	MB 74 PG 3
Instrument Date	May 1, 2020
Instrument	2020145208
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	TOTAL TITLE SOLUTIONS LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,681.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	523 S PAULA DR, 523, DUNEDIN, FL 34698-2032

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1105 PEPPERIDGE DR, PALM HARBOR, FL 34683-5919

Mortgage

Document Number	0209922198
Date	May 6, 2020
Instrument	20992/2198

Lender

Name	SECURITY NATIONAL MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINELLAS FL
Recording Date	May 6, 2020
Property Address	1105 PEPPERIDGE DR, PALM HARBOR, FL 34683-5919
Document Number	0209922194
Book / Page	020992 / 002194
Instrument Date	Apr 30, 2020
Instrument	145207
Transaction Type	Transfer
Record Updated	May 25, 2020
Title Company	TEXAS TITLE SOLUTIONS, TOTAL TITLE SOLUTIONS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1105 PEPPERIDGE DR PALM HARBOR FL 346835919, PALM HARBOR, FL 34683-5919

Tax Assessment & Valuation

The 2025 property tax bill for 1105 Pepperidge Dr was $6,558 with a homeowner's exemption, up 5.7% from the year before.

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	$6,558.00 (+5.71%) Homeowner's exemption	$394,839	$489,521 Land $138,007 Building $351,514
2024	$6,204.00 (+1.47%)
2023	$6,114.00 (+10.9%) Homeowner's exemption	$372,535 (+10.35%)	$456,514 (+17%) Land $173,279 Building $283,235
2022	$5,513.00 Homeowner's exemption	$337,606	$390,170 Land $173,741 Building $216,429

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

Flood

FEMA maps place 1105 Pepperidge Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2019.

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 55 individual policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	119 units insured incl. 64 condo units
Nearby Flood Claims	7 (2019–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Helene, Sep 2024 · 5 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 1105 Pepperidge 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 543 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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