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120 Gulfwinds Dr E, Palm Harbor, FL 34683 Property Records

Pinellas County property record for 120 Gulfwinds Dr E, Palm Harbor, FL 34683

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,190 sqft · built 1978
Lot Size0.202 acres (8,799 sqft)
Owner2 Individual Names on File
Last Sale$310,000 (Mar 2019)
Tax Bill$4,434 (2025)
Deeds & MortgagesNov 2020 Mortgage
Mar 2019 Sale & Mortgage
Flood ZoneZone AE (high risk)
APNC62-000-740-5777-9

Property Details

APN / Parcel Number

Primary APNC62-000-740-5777-9
Alternative APNs
  • 23-27-15-05869-000-1200
  • 271523058690001200
  • 152723058690001200
  • R244410

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories2 Stories
Building Area1,190 sqft Living Area
Gross Area1,992 sqft
1st Floor Area518 sqft
Upper Floors Area672 sqft
FlooringCarpet
Interior WallsComposition
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 2002
Architectural StyleCustom Design
Exterior MaterialBrick/Concrete Block Stucco
Construction TypeMasonry / Concrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialOther
Lot Area8,799 sqft (0.202 acres)
Lot Dimensions100 ft deep x 60 ft wide
View / LotCanal/Waterfront
Garage TypeAttached
Garage Area576 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeSpa / Hot Tub (No Pool)
PorchPatio
Porch Area226 sqft
Loading Dock128 sqft
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ
Boat AccessBoat Access
Boat House264 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR244410
Street Address120 GULFWINDS DR E
CityPALM HARBOR
StateFL
Zip34683-1308
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR3
Legal DescriptionBAYWOOD VILLAGE SEC 5 LOT 120
Legal Range15E
Legal Township27S
Legal Section23
Legal SubdivisionBAYWOOD VILLAGE SEC 5
Legal Tract5869
Legal Block3
Legal Lot Number120
JurisdictionPINELLAS FL
Township / Civil DivisionTARPON SPRINGS
Census Block Group3
Census Block3008
Census Tract27202

Owner

120 Gulfwinds Dr E is owned and occupied by two individuals who bought it in March 2019.

Source: Pinellas County records, as of October 13, 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 Record2 Individual Names on File
Mailing Address120 GULFWINDS DR E, PALM HARBOR, FL 34683-1308
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 13, 2020Deed of Trust, Mortgage · Conventional Mortgage
REGIONS BANK
Mar 20, 2019Warranty Deed, Transfer · Conventional Mortgage
REGIONS BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 20, 2019 · Amount on File
Deed SaleMar 20, 2019 · Amount on File
Prior SaleOct 18, 2002 · Amount on File
Deed Document Number201986051
Deed Book / Page20468 / 1272
Prior Transfer DateFeb 18, 2019
Prior Transfer Doc0000052878
Record UpdatedOct 29, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address120 GULFWINDS DR E, PALM HARBOR, FL 34683-1308
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyANCLOTE TITLE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address120 GULFWINDS DR E, PALM HARBOR, FL 34683-1308

Mortgage

Document Number0212511505
DateNov 13, 2020
Book Page21251/1505
Instrument2020340275
Lender
NameREGIONS BANK
TypeBank
AddressBIRMINGHAM, AL 35244
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueNov 1, 2050

March 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateMar 20, 2019
Property Address120 GULFWINDS DR E, PALM HARBOR, FL 34683-1308
Document Number0204681272
Book / Page20468 / 1272
Map ReferenceMB 75 PG 93
Instrument DateMar 11, 2019
Instrument2019086051
Transaction TypeTransfer
Record UpdatedFeb 1, 2022
Title CompanyANCLOTE TITLE SERVICES INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,170.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address705 JAMES ST APT 5, 705, DUNEDIN, FL 34698-7842

Transferred To (Grantee/Buyer)

NameVerified Name
Address120 GULFWINDS DR E, PALM HARBOR, FL 34683-1308

Mortgage

Document Number2019086052
DateMar 20, 2019
Instrument2019086052
Lender
NameREGIONS BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 120 Gulfwinds Dr E was $4,434 with a homeowner's exemption.

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyPinellas County
Unified School DistrictPinellas County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,434.00 Homeowner's exemption$280,983$411,685 Land $149,065 Building $262,620
2023$4,125.00 (+2.94%) Homeowner's exemption$265,111 (+3%)$524,109 (+39.23%) Land $338,762 Building $185,347
2022$4,007.00 Homeowner's exemption$257,389$376,436 Land $228,604 Building $147,832

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

Flood

FEMA maps place 120 Gulfwinds Dr E in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 446 individual policies
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies540 units insured
incl. 94 condo units
Nearby Flood Claims399 (1985–2024)
Claims Outside the SFHA3 of 399
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 6 claims
  • Hurricane Helene, Sep 2024 · 248 claims
  • Hurricane Idalia, Aug 2023 · 7 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

Wildfire risk around 120 Gulfwinds Dr E is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
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 SystemPINELLAS COUNTY UTILITIES
serves 506,353 people · EPA ID FL6521405
Water SourcePurchased surface water from several systems
Last State InspectionMar 2023
LeadUnder 1 ppb (2020)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting17
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 175 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
WOW Internet, Cable & Phone
Cable		1,200 / 50
Spectrum
Cable		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

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