Pinellas County property record for 13840 Tern Ln, Clearwater, FL 33762
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,114 sqft · built 1979 |
| Lot Size | 0.208 acres (9,069 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $355,000 (May 2015) |
| Tax Bill | $7,912 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | C62-000-764-5282-0 |
| Primary APN | C62-000-764-5282-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,114 sqft Living Area |
| Gross Area | 3,263 sqft |
| 1st Floor Area | 2,114 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 9,069 sqft (0.208 acres) |
| Lot Dimensions | 115 ft deep x 80 ft wide |
| View / Lot | Canal/Waterfront |
| Garage Type | Attached |
| Garage Area | 491 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 658 sqft |
| Deck Area | 438 sqft |
| Patio Area | 160 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R16636 |
|---|---|
| Street Address | 13840 TERN LN |
| City | CLEARWATER |
| State | FL |
| Zip | 33762-4552 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | SOUND WEST UNIT 3 LOT 105 |
| Legal Range | 16E |
| Legal Township | 30S |
| Legal Section | 2 |
| Legal Subdivision | SOUND WEST UNIT 3 |
| Legal Tract | 83945 |
| Legal Lot Number | 105 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | ST. PETERSBURG |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 24509 |
Source: Pinellas County records, as of September 17, 2026
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 | 19394 BLUE POND DR, LUTZ, FL 33558-5631 |
| Owner Type | Individual |
| Vesting | Life Estate |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 12, 2015 · Amount on Record |
| Deed Sale | May 12, 2015 · Amount on Record |
| Deed Document Number | 2015131759 |
| Deed Book / Page | 18776 / 233 |
| Last Transfer Date | Mar 6, 2025 |
| Transfer Doc | 0230861956 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 13840 TERN LN, CLEARWATER, FL 33762-4552 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 13840 TERN LN, CLEARWATER, FL 33762-4552 |
| Document Number | 0213461724 |
|---|---|
| Date | Jan 19, 2021 |
| Book Page | 21346/1724 |
| Instrument | 2021016350 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2041 |
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,912.00 (-13.28%) | $408,289 (-14.74%) Land $225,582 Building $182,707 | $408,289 (-14.74%) Land $225,582 Building $182,707 |
| 2024 | $9,124.00 (+4.44%) | ||
| 2023 | $8,736.00 (+11.43%) | $478,890 (+19.01%) | $478,890 (+19.01%) Land $216,017 Building $262,873 |
| 2022 | $7,840.00 | $402,403 | $402,403 Land $211,139 Building $191,264 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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.
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 |
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.
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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