1148 Pepperidge Dr, Palm Harbor, FL 34683 Property Records

Pinellas County property record for 1148 Pepperidge Dr, Palm Harbor, FL 34683

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,832 sqft · built 1983
Lot Size	0.176 acres (7,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Jul 2019)
Tax Bill	$4,860 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage Feb 2019 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-741-5560-7`

Property Details

APN / Parcel Number

Primary APN	`C62-000-741-5560-7`
Alternative APNs	`11-28-15-28951-000-0630` `281511289510000630` `152811289510000630` `R119931`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,832 sqft Living Area
Gross Area	2,558 sqft
1st Floor Area	1,832 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2002
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,680 sqft (0.176 acres)
Lot Dimensions	101 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	264 sqft
Deck Area	506 sqft
Patio Area	506 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R119931
Street Address	1148 PEPPERIDGE DR
City	PALM HARBOR
State	FL
Zip	34683-5918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	FOREST GROVE, PHASE III LOT 63
Legal Range	15E
Legal Township	28S
Legal Section	11
Legal Subdivision	FOREST GROVE, PHASE III
Legal Phase	3
Legal Tract	28951
Legal Lot Number	63
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1009
Census Tract	27210

Owner

Source: Pinellas County records, as of September 10, 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	2 Individual Names on Record
Mailing Address	1148 PEPPERIDGE DR, PALM HARBOR, FL 34683-5918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK
Feb 8, 2019	Warranty Deed, Construction Loan · Construction Mortgage LENDINGHOME FUNDING CORP
Feb 6, 2019	Grant Deed, Transfer SERVICELINK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2019 · Amount on Record
Deed Sale	Jul 16, 2019 · Amount on Record
Prior Sale	Feb 8, 2019 · Amount on Record
Deed Document Number	2019223650
Deed Book / Page	20614 / 2459
Prior Transfer Date	Jul 16, 2015
Prior Transfer Doc	0188651956
Record Updated	Oct 29, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jul 16, 2019
Property Address	1148 PEPPERIDGE DR, PALM HARBOR, FL 34683-5918
Document Number	0206142459
Book / Page	20614 / 2459
Map Reference	MB 74 PG 3
Instrument Date	Jul 15, 2019
Instrument	2019223650
Transaction Type	Transfer
Record Updated	Jun 24, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3342 PETERBOROUGH PL, 3342, PALM HARBOR, FL 34684-4244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1148 PEPPERIDGE DR, PALM HARBOR, FL 34683-5918

Mortgage

Document Number	0206142460
Date	Jul 16, 2019
Instrument	20614/2460

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

February 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Feb 8, 2019
Property Address	1148 PEPPERIDGE DR, PALM HARBOR, FL 34683-5918
Document Number	0204250411
Book / Page	20425 / 0411
Map Reference	MB 74 PG 3
Instrument Date	Feb 8, 2019
Instrument	2019043922
Transaction Type	Construction Loan
Record Updated	Jun 24, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,442.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1522F E ROBINSON ST, 1522F, ORLANDO, FL 32801-2122

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3342 PETERBOROUGH PL, PALM HARBOR, FL 34684-4244

Mortgage

Document Number	2019043923
Date	Feb 8, 2019
Instrument	2019043923

Lender

Name	LENDINGHOME FUNDING CORP
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PINELLAS FL
Recording Date	Feb 6, 2019
Property Address	1148 PEPPERIDGE DR, PALM HARBOR, FL 34683-5918
Document Number	0204212288
Book / Page	020421 / 002288
Instrument Date	Dec 24, 2018
Instrument	40322
Transaction Type	Transfer
Record Updated	Feb 22, 2019
Title Company	SERVICELINK

Transaction

Amount	Amount Recorded
Tax	$1,249.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1522 E ROBINSON ST ORLANDO FL 328012122, ORLANDO, FL 32801-2122

Tax Assessment & Valuation

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	$4,860.00 (+7.57%) Homeowner's exemption	$300,763 (+5.99%)	$468,988 (+9.92%) Land $130,660 Building $338,328
2023	$4,518.00 (+2.92%) Homeowner's exemption	$283,774 (+3%)	$426,666 (+18.13%) Land $160,620 Building $266,046
2022	$4,390.00 Homeowner's exemption	$275,509	$361,196 Land $159,471 Building $201,725

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 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

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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