1391 Saddle Ct, Palm Harbor, FL 34683 Property Records

Pinellas County property record for 1391 Saddle Ct, Palm Harbor, FL 34683

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,720 sqft · built 1980
Lot Size	0.229 acres (9,993 sqft)
Owner	2 Trust Names on File
Tax Bill	$2,661 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Apr 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-741-7770-0`

Property Details

APN / Parcel Number

Primary APN	`C62-000-741-7770-0`
Alternative APNs	`12-28-15-77715-000-0070` `281512777150000070` `152812777150000070` `R128953`

Interior

Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,720 sqft Living Area
Gross Area	2,576 sqft
1st Floor Area	1,720 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1997
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,993 sqft (0.229 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	416 sqft
Deck Area	560 sqft
Patio Area	560 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R128953
Street Address	1391 SADDLE CT
City	PALM HARBOR
State	FL
Zip	34683-6213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	SADDLE HILL LOT 7
Legal Range	15E
Legal Township	28S
Legal Section	12
Legal Subdivision	SADDLE HILL
Legal Tract	77715
Legal Lot Number	7
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	3
Census Block	3008
Census Tract	27208

Owner

1391 Saddle Ct is owner-occupied and held in a trust since April 2022.

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

Owner of Record	2 Trust Names on File
Mailing Address	1391 SADDLE CT, PALM HARBOR, FL 34683-6213
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jun 14, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Apr 12, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Sep 25, 2017	Deed of Trust, Mortgage · Line of Credit GTE FCU
Nov 17, 2020	Deed of Trust, Mortgage · Line of Credit FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 6, 2022
Transfer Doc	0220152516
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	1391 SADDLE CT, PALM HARBOR, FL 34683-6213
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1391 SADDLE CT, PALM HARBOR, FL 34683-6213

Mortgage

Document Number	0224732148
Date	Jun 14, 2023
Book Page	22473/2148
Instrument	2023155297

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jun 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PINELLAS FL
Recording Date	Apr 12, 2022
Property Address	1391 SADDLE CT, PALM HARBOR, FL 34683-6213
Document Number	0220152516
Book / Page	22015 / 2516
Map Reference	MB 79 PG 15
Instrument Date	Apr 6, 2022
Instrument	2022114990
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1391 SADDLE CT, 1391, PALM HARBOR, FL 34683-6213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1391 SADDLE CT, PALM HARBOR, FL 34683-6213

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	1391 SADDLE CT, PALM HARBOR, FL 34683-6213
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0197810545
Date	Sep 25, 2017
Book Page	19781/0545
Instrument	2017291643

Lender

Name	GTE FCU
Type	Credit Union
Address	TAMPA, FL 33602

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	1391 SADDLE CT, PALM HARBOR, FL 34683-6213
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0212561648
Date	Nov 17, 2020
Book Page	21256/1648
Instrument	2020343901

Lender

Name	FEDERAL CREDIT UNION
Type	Credit Union
Address	TAMPA, FL 33602

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	85 Months
Due	Dec 1, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1391 Saddle Ct was $2,661 with a homeowner's exemption, up 6.2% from the year before.

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	$2,661.00 (+6.19%) Homeowner's exemption	$179,140	$488,324 Land $145,760 Building $342,564
2024	$2,506.00 (+1.95%)
2023	$2,458.00 (+3.45%) Homeowner's exemption	$169,020 (+3%)	$450,982 (+13.08%) Land $181,513 Building $269,469
2022	$2,376.00 Homeowner's exemption	$164,097	$398,825 Land $194,538 Building $204,287

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

Flood

FEMA maps place 1391 Saddle Ct in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2001.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 49 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	49 in force
Nearby Flood Claims	5 (2001–2024)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Oct 2024 · Hurricane Milton

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

The area around 1391 Saddle Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 543 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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