13795 Tern Ln, Clearwater, FL 33762 Property Records

Pinellas County property record for 13795 Tern Ln, Clearwater, FL 33762

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,347 sqft · built 1979
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$176,500 (Jun 1998)
Tax Bill	$6,083 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Jun 2023 Line of Credit + 4 more
Flood Zone	Zone AE (high risk)
APN	`C62-000-764-5305-9`

Property Details

APN / Parcel Number

Primary APN	`C62-000-764-5305-9`
Alternative APNs	`02-30-16-83945-000-1430` `301602839450001430` `163002839450001430` `R16659`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,347 sqft Living Area
Gross Area	3,245 sqft
1st Floor Area	1,401 sqft
Upper Floors Area	946 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1994
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	120 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open/Unfinished Porch
Porch Area	135 sqft
Deck Area	490 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R16659
Street Address	13795 TERN LN
City	CLEARWATER
State	FL
Zip	33762-4551
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	SOUND WEST UNIT 3 LOT 143
Legal Range	16E
Legal Township	30S
Legal Section	2
Legal Subdivision	SOUND WEST UNIT 3
Legal Tract	83945
Legal Lot Number	143
Jurisdiction	PINELLAS FL
Township / Civil Division	ST. PETERSBURG
Census Block Group	1
Census Block	1013
Census Tract	24509

Owner

Source: Pinellas County records, as of December 2, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	13795 TERN LN, CLEARWATER, FL 33762-4551
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2025	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Jun 22, 2023	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
May 11, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage FILO MORTGAGE LLC
Jun 17, 2020	Deed of Trust, Mortgage · Conventional with PMI SUNCOAST CU
Oct 25, 2017	Warranty Deed, Transfer · FHA Mortgage CAPWEST HM LNS
Jan 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage LONNIE POTTER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 1998 · Amount on Record
Deed Sale	Jun 9, 1998 · Amount on Record
Deed Book / Page	10125 / 1980
Last Transfer Date	May 6, 2022
Transfer Doc	0220591412
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	13795 TERN LN, CLEARWATER, FL 33762-4551
Transaction Type	Mortgage
Record Updated	Dec 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13795 TERN LN, CLEARWATER, FL 33762-4551

Mortgage

Document Number	0233471606
Date	Nov 4, 2025
Book Page	23347/1606
Instrument	2025311330

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	216 Months
Due	Nov 3, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	13795 TERN LN, CLEARWATER, FL 33762-4551
Transaction Type	Mortgage
Record Updated	Jul 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13795 TERN LN, CLEARWATER, FL 33762-4551

Mortgage

Document Number	0224810956
Date	Jun 22, 2023
Book Page	22481/956
Instrument	2023162483

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	216 Months
Due	Jun 21, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PINELLAS FL
Recording Date	May 11, 2022
Property Address	13795 TERN LN, CLEARWATER, FL 33762-4551
Document Number	0220591412
Book / Page	22059 / 1412
Map Reference	MB 79 PG 2
Instrument Date	May 6, 2022
Instrument	2022151467
Transaction Type	Transfer
Record Updated	Jun 6, 2022
Title Company	NOT AVAILABLE, SUMMIT SETTLEMENT SERVICES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13795 TERN LN, 13795, CLEARWATER, FL 33762-4551

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13795 TERN LN, CLEARWATER, FL 33762-4551

Mortgage

Document Number	0220591414
Date	May 11, 2022
Instrument	22059/1414

Lender

Name	FILO MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	13795 TERN LN, CLEARWATER, FL 33762-4551
Document Number	0210500565
Instrument Date	Jun 17, 2020
Transaction Type	Mortgage
Record Updated	Jul 10, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13795 TERN LN CLEARWATER FL 337624551, CLEARWATER, FL 33762-4551

Mortgage

Document Number	0210500565
Date	Jun 23, 2020
Book Page	021050/000565
Instrument	188456

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 22, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 25, 2017
Property Address	13795 TERN LN, CLEARWATER, FL 33762-4551
Document Number	0198180094
Book / Page	019818 / 000094
Instrument Date	Oct 20, 2017
Instrument	325603
Transaction Type	Transfer
Record Updated	Nov 14, 2017
Title Company	CRIMMINS TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13795 TERN LN CLEARWATER FL 337624551, CLEARWATER, FL 33762-4551

Mortgage

Document Number	198180095
Date	Oct 25, 2017
Book Page	019818/000095
Instrument	325604

Lender

Name	CAPWEST HM LNS
Address	OVERLAND PARK, KS 66211

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2047

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	13795 TERN LN, CLEARWATER, FL 33762-4551
Document Number	0195252013
Book / Page	019525 / 002013
Instrument Date	Jan 27, 2017
Transaction Type	Mortgage
Record Updated	May 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13795 TERN LN CLEARWATER FL 337624551, CLEARWATER, FL 33762-4551

Mortgage

Document Number	0195252013
Date	Feb 20, 2017
Book Page	019525/002013
Instrument	54717

Lender

Name	LONNIE POTTER

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	6%

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	$6,083.00 (+5.55%) Homeowner's exemption	$354,529 (+19.81%)	$632,910 (+57.73%) Land $238,065 Building $394,845
2024	$5,763.00 (+16.75%)
2023	$4,936.00 (+2.39%) Homeowner's exemption	$295,912 (+3%)	$401,253 (+27.72%) Land $203,457 Building $197,796
2022	$4,821.00 Homeowner's exemption	$287,293	$314,168 Land $195,925 Building $118,243

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 364 individual policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	508 units insured incl. 144 condo units
Nearby Flood Claims	252 (1988–2025)
Most Recent Claim	Mar 2025 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims Hurricane Helene, Sep 2024 · 241 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	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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