Pinellas County property record for 1408 Windmill Pointe Rd, Palm Harbor, FL 34685
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,604 sqft · built 1974 |
| Lot Size | 0.189 acres (8,224 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $521,500 (Nov 2025) |
| Tax Bill | $2,630 (2025) |
| Deeds & Mortgages | Apr 2024 Construction Loan Nov 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-758-0628-1 |
| Primary APN | C62-000-758-0628-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,604 sqft Living Area |
| Gross Area | 2,364 sqft |
| 1st Floor Area | 1,604 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 8,224 sqft (0.189 acres) |
| Lot Dimensions | 108 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
|---|---|
| Porch Area | 320 sqft |
| Deck Area | 192 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R371216 |
|---|---|
| Street Address | 1408 WINDMILL POINTE RD |
| City | PALM HARBOR |
| State | FL |
| Zip | 34685-1315 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD5 |
| Legal Description | WINDMILL POINTE OF TARPON LAKE - UNIT THREE BLK 10, LOT 2 |
| Legal Range | 16E |
| Legal Township | 27S |
| Legal Section | 34 |
| Legal Subdivision | WINDMILL POINTE OF |
| Legal Tract | 98250 |
| Legal Block | 10 |
| Legal Lot Number | 2 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 27329 |
1408 Windmill Pointe Rd is owned and occupied by two individuals who bought it in November 2025.
Source: Pinellas County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1408 WINDMILL POINTE RD, PALM HARBOR, FL 34685-1315 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 26, 2024 | Deed of Trust, Mortgage · Construction Mortgage REGIONS BANK |
| Nov 3, 2022 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Nov 24, 2025 | Warranty Deed, Transfer · Conventional Mortgage NAVY FCU |
| Nov 13, 2018 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 24, 2025 · Amount on File |
| Deed Sale | Nov 24, 2025 · Amount on File |
| Prior Sale | Jul 26, 2002 · Amount on File |
| Deed Document Number | 2025329001 |
| Deed Book / Page | 23368 / 1382 |
| Prior Transfer Date | Sep 3, 2024 |
| Prior Transfer Doc | 0229230432 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 1408 WINDMILL POINTE RD, PALM HARBOR, FL 34685-1315 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1408 WINDMILL POINTE RD, PALM HARBOR, FL 34685-1315 |
| Document Number | 0227801518 |
|---|---|
| Date | Apr 26, 2024 |
| Book Page | 22780/1518 |
| Instrument | 2024107177 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 1408 WINDMILL POINTE RD, PALM HARBOR, FL 34685-1315 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1408 WINDMILL POINTE RD, PALM HARBOR, FL 34685-1315 |
| Document Number | 0222521656 |
|---|---|
| Date | Nov 3, 2022 |
| Book Page | 22252/1656 |
| Instrument | 2022320264 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 14, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Nov 24, 2025 |
| Property Address | 1408 WINDMILL POINTE RD, PALM HARBOR, FL 34685-1315 |
| Document Number | 0233681382 |
| Book / Page | 23368 / 1382 |
| Map Reference | MB 70 PG 105-109 |
| Instrument Date | Nov 18, 2025 |
| Instrument | 2025329001 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2025 |
| Title Company | KLEER TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,650.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 107 E NORTH RAILROAD ST, FOUR OAKS, NC 27524 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1408 WINDMILL POINTE RD, PALM HARBOR, FL 34685-1315 |
| Investor | Possibly a Property Investor |
| Document Number | 0233681384 |
|---|---|
| Date | Nov 24, 2025 |
| Instrument | 23368/1384 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 1408 WINDMILL POINTE RD, PALM HARBOR, FL 34685-1315 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0203322202 |
|---|---|
| Date | Nov 13, 2018 |
| Book Page | 20332/2202 |
| Instrument | 2018364370 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 2, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 1408 Windmill Pointe Rd was $2,630, up 6.1% from the year before.
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 | $2,630.00 (+6.09%) | $177,694 (+2.9%) | $363,206 (+2.09%) Land $118,921 Building $244,285 |
| 2024 | $2,479.00 (+2.14%) Homeowner's exemption | $172,686 (+3%) | $355,755 (-2.51%) Land $144,156 Building $211,599 |
| 2023 | $2,427.00 (+3.41%) Homeowner's exemption | $167,656 (+3%) | $364,906 (+28.17%) Land $178,071 Building $186,835 |
| 2022 | $2,347.00 Homeowner's exemption | $162,773 | $284,694 Land $136,209 Building $148,485 |
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.
FEMA maps place 1408 Windmill Pointe Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 135 individual policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 159 units insured incl. 24 condo units |
| Nearby Flood Claims | 5 (2011–2024) |
| Claims Outside the SFHA | 4 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 risk around 1408 Windmill Pointe Rd 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 80% of the US · lower than 93% 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 283 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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