13796 Tern Ln, Clearwater, FL 33762 Property Records

Pinellas County property record for 13796 Tern Ln, Clearwater, FL 33762

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,905 sqft · built 1980
Lot Size	0.221 acres (9,640 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Apr 2018)
Tax Bill	$3,924 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`C62-000-764-5284-6`

Property Details

APN / Parcel Number

Primary APN	`C62-000-764-5284-6`
Alternative APNs	`02-30-16-83945-000-1070` `301602839450001070` `163002839450001070` `R16638`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,905 sqft Living Area
Gross Area	2,814 sqft
1st Floor Area	1,905 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1999
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,640 sqft (0.221 acres)
Lot Dimensions	115 ft deep x 80 ft wide
View / Lot	Canal/Waterfront
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	472 sqft
Deck Area	200 sqft
Patio Area	200 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R16638
Street Address	13796 TERN LN
City	CLEARWATER
State	FL
Zip	33762-4550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	SOUND WEST UNIT 3 LOT 107
Legal Range	16E
Legal Township	30S
Legal Section	2
Legal Subdivision	SOUND WEST UNIT 3
Legal Tract	83945
Legal Lot Number	107
Jurisdiction	PINELLAS FL
Township / Civil Division	ST. PETERSBURG
Census Block Group	1
Census Block	1006
Census Tract	24509

Owner

13796 Tern Ln is owned and occupied by two individuals who bought it in April 2018.

Source: Pinellas County records, as of September 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	13796 TERN LN, CLEARWATER, FL 33762-4550
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 27, 2024	Deed of Trust, Mortgage · Line of Credit FLORIDACENTRAL CREDIT UNION
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOAN CABIN INC
Mar 22, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Sep 25, 2019	Deed of Trust, Mortgage · Conventional with PMI JG WENTWORTH HM LNDG
Apr 3, 2018	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2018 · Amount on File
Deed Sale	Apr 3, 2018 · Amount on File
Prior Sale	Aug 9, 2001 · Amount on File
Deed Document Number	2018102275
Deed Book / Page	19998 / 1453
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	13796 TERN LN, CLEARWATER, FL 33762-4550
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13796 TERN LN, CLEARWATER, FL 33762-4550

Mortgage

Document Number	0227462241
Date	Mar 27, 2024
Book Page	22746/2241
Instrument	2024076301

Lender

Name	FLORIDACENTRAL CREDIT UNION
Address	TAMPA, FL 33609

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 27, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	13796 TERN LN, CLEARWATER, FL 33762-4550
Transaction Type	Mortgage
Record Updated	Apr 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13796 TERN LN, CLEARWATER, FL 33762-4550

Mortgage

Document Number	0214812012
Date	Apr 12, 2021
Book Page	21481/2012
Instrument	2021119536

Lender

Name	LOAN CABIN INC
Type	Mortgage Company
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	13796 TERN LN, CLEARWATER, FL 33762-4550
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0195620644
Date	Mar 22, 2017
Book Page	19562/0644
Instrument	2017088987

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 10, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	13796 TERN LN, CLEARWATER, FL 33762-4550
Document Number	0207260234
Instrument Date	Sep 25, 2019
Transaction Type	Mortgage
Record Updated	Oct 29, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13796 TERN LN CLEARWATER FL 337624550, CLEARWATER, FL 33762-4550

Mortgage

Document Number	0207260234
Date	Oct 9, 2019
Book Page	020726/000234
Instrument	325929

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 8, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Apr 3, 2018
Property Address	13796 TERN LN, CLEARWATER, FL 33762-4550
Document Number	0199981453
Book / Page	019998 / 001453
Instrument Date	Apr 2, 2018
Instrument	102275
Transaction Type	Transfer
Record Updated	Apr 27, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13796 TERN LN CLEARWATER FL 337624550, CLEARWATER, FL 33762-4550

Mortgage

Document Number	199981455
Date	Apr 3, 2018
Book Page	019998/001455
Instrument	102276

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 2, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 13796 Tern Ln was $3,924 with a homeowner's exemption.

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	$3,924.00 Homeowner's exemption	$241,197	$353,418 Land $219,252 Building $134,166
2023	$5,682.00 (+2.32%) Homeowner's exemption	$335,222 (+3%)	$500,665 (+19.47%) Land $224,485 Building $276,180
2022	$5,553.00 Homeowner's exemption	$325,458	$419,084 Land $219,500 Building $199,584

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

Flood

FEMA maps place 13796 Tern Ln 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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 13796 Tern Ln is low, with a 0.01% annual chance of 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.

Nearby Properties on Tern Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures