Pinellas County property record for 13862 Tern Ln, Clearwater, FL 33762
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,675 sqft · built 1979 |
| Lot Size | 0.214 acres (9,322 sqft) |
| Owner | Individual Name on File |
| Last Sale | $622,000 (Sep 2025) |
| Tax Bill | $2,732 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | C62-000-764-5281-2 |
| Primary APN | C62-000-764-5281-2 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,675 sqft Heated Area |
| 1st Floor Area | 1,675 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,322 sqft (0.214 acres) |
| Lot Dimensions | 115 ft deep x 80 ft wide |
| Garage Area | 546 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 123 sqft |
| Deck Area | 300 sqft |
| Patio Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R16635 |
|---|---|
| Old Parcel Number | 163002839450001040 |
| Street Address | 13862 TERN LN |
| City | CLEARWATER |
| State | FL |
| Zip | 33762-4552 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUND WEST UNIT 3 LOT 104 |
| Legal Range | 16 |
| Legal Township | 30 |
| Legal Section | 02 |
| Legal Subdivision | SOUND WEST UNIT 3 |
| Legal Lot Number | 104 |
| Legal Unit | 3 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | ST. PETERSBURG |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 24509 |
Source: Pinellas County records · APN C62-000-764-5281-2
Assessment roll updated July 1, 2025 · Last verified January 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 13862 TERN LN, CLEARWATER, FL 33762-4552 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 23, 2025 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP |
| Sep 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 23, 2025 · Amount on Record |
| Deed Sale | Sep 23, 2025 · Amount on Record |
| Prior Sale | Feb 27, 2025 · Amount on Record |
| Deed Document Number | 2025272701 |
| Deed Book / Page | 23304 / 1089 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Sep 23, 2025 |
| Property Address | 13862 TERN LN, CLEARWATER, FL 33762-4552 |
| Document Number | 0233041089 |
| Book / Page | 23304 / 1089 |
| Map Reference | MB 79 PG 2 |
| Instrument Date | Sep 18, 2025 |
| Instrument | 2025272701 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 20, 2025 |
| Title Company | GIANNELL TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,354.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1111 LINCOLN RD STE 500, 500, MIAMI BEACH, FL 33139-2439 |
| Name | Verified Name |
|---|---|
| Address | 13862 TERN LN, CLEARWATER, FL 33762-4552 |
| Document Number | 0233041091 |
|---|---|
| Date | Sep 23, 2025 |
| Instrument | 23304/1091 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 13862 TERN LN, CLEARWATER, FL 33762-4552 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 13862 TERN LN, CLEARWATER, FL 33762-4552 |
| Document Number | 0211721687 |
|---|---|
| Date | Sep 21, 2020 |
| Book Page | 21172/1687 |
| Instrument | 2020280254 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2050 |
Source: Pinellas County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Unified School District | Pinellas County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,732.00 (-43.14%) Homeowner's exemption | $178,633 (-39.07%) | $348,612 (-32.98%) Land $219,975 Building $128,637 |
| 2024 | $4,805.00 (+1.76%) Homeowner's exemption | $293,191 (+3%) | $520,160 (+3.62%) Land $224,369 Building $295,791 |
| 2023 | $4,722.00 (+2.41%) Homeowner's exemption | $284,651 (+3%) | $501,995 (+18.04%) Land $224,633 Building $277,362 |
| 2022 | $4,611.00 Homeowner's exemption | $276,360 | $425,274 Land $223,502 Building $201,772 |
Source: FEMA National Flood Hazard Layer, Pinellas County (12103C), as of April 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121030245091, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA.
Based on FCC filings for 258 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL6521405, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | PINELLAS COUNTY UTILITIES serves 506,353 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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