Pinellas County property record for 1438 Thames Ln, Clearwater, FL 33755
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,220 sqft · built 1964 |
| Lot Size | 0.138 acres (5,998 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $146,000 (Sep 2015) |
| Tax Bill | $1,486 (2025) |
| Deeds & Mortgages | Aug 2022 Reverse Mortgage Aug 2022 Reverse Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-743-9807-4 |
| Primary APN | C62-000-743-9807-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,220 sqft Living Area |
| Gross Area | 1,776 sqft |
| 1st Floor Area | 1,220 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | H-Shape |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 5,998 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Patio |
|---|---|
| Porch Area | 232 sqft |
| Deck Area | 225 sqft |
| Patio Area | 225 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R13061 |
|---|---|
| Street Address | 1438 THAMES LN |
| City | CLEARWATER |
| State | FL |
| Zip | 33755-2060 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BRENTWOOD ESTATES LOT 75 |
| Legal Range | 15E |
| Legal Township | 29S |
| Legal Section | 2 |
| Legal Subdivision | BRENTWOOD ESTATES |
| Legal Tract | 10926 |
| Legal Lot Number | 75 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 26300 |
1438 Thames Ln is owned and occupied by two individuals who bought it in September 2015.
Source: Pinellas County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1438 THAMES LN, CLEARWATER, FL 33755-2060 |
| 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.
| Date | Document |
|---|---|
| Aug 25, 2022 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Aug 25, 2022 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Feb 28, 2017 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Sep 19, 2019 | Reverse Mortgage, Construction Loan · Construction Mortgage COMMISSIONER/HSNG & URBAN DEV |
| Sep 13, 2019 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 2015 · Amount on File |
| Deed Sale | Sep 3, 2015 · Amount on File |
| Prior Sale | Sep 13, 2011 · Amount on File |
| Deed Document Number | 2015253426 |
| Deed Book / Page | 18909 / 1019 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 1438 THAMES LN, CLEARWATER, FL 33755-2060 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1438 THAMES LN, CLEARWATER, FL 33755-2060 |
| Document Number | 0221802439 |
|---|---|
| Date | Aug 25, 2022 |
| Book Page | 22180/2439 |
| Instrument | 2022260042 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.65% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 10.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 1438 THAMES LN, CLEARWATER, FL 33755-2060 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1438 THAMES LN, CLEARWATER, FL 33755-2060 |
| Document Number | 0221802425 |
|---|---|
| Date | Aug 25, 2022 |
| Book Page | 22180/2425 |
| Instrument | 2022260041 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.65% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 10.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 1438 THAMES LN, CLEARWATER, FL 33755-2060 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0195340541 |
|---|---|
| Date | Feb 28, 2017 |
| Book Page | 19534/0541 |
| Instrument | 2017062988 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 84 Months |
| Due | Feb 17, 2024 |
| Document Type | Reverse Mortgage |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Sep 19, 2019 |
| Property Address | 1438 THAMES LN, CLEARWATER, FL 33755-2060 |
| Document Number | 0206990628 |
| Book / Page | 020699 / 000628 |
| Instrument Date | Sep 13, 2019 |
| Instrument | 301888 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 2, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1438 THAMES LN CLEARWATER FL 337552060, CLEARWATER, FL 33755-2060 |
| Document Number | 206990628 |
|---|---|
| Date | Sep 19, 2019 |
| Book Page | 020699/000628 |
| Instrument | 301888 |
| Name | COMMISSIONER/HSNG & URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 984 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.82% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 1438 THAMES LN, CLEARWATER, FL 33755-2060 |
| Document Number | 0206990614 |
| Instrument Date | Sep 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 1438 THAMES LN CLEARWATER FL 337552060, CLEARWATER, FL 33755-2060 |
| Document Number | 0206990614 |
|---|---|
| Date | Sep 19, 2019 |
| Book Page | 020699/000614 |
| Instrument | 301887 |
| Name | AMERICAN ADVISORS |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 984 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.82% |
The 2025 property tax bill for 1438 Thames Ln was $1,486 with exemptions applied.
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Municipality | Clearwater City |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,486.00 Homeowner's exemption Senior Citizen's exemption | $126,775 | $357,718 Land $136,225 Building $221,493 |
| 2023 | $1,343.00 (-1.03%) Homeowner's exemption Senior Citizen's exemption | $119,614 (+3%) | $267,534 (+9.72%) Land $109,128 Building $158,406 |
| 2022 | $1,357.00 Homeowner's exemption Senior Citizen's exemption | $116,130 | $243,841 Land $107,572 Building $136,269 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1438 Thames Ln in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1979.
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 19 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 10 (1979–2024) |
| Claims Outside the SFHA | 7 of 10 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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.
The area around 1438 Thames Ln 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CLEARWATER WATER SYSTEM serves 115,000 people · EPA ID FL6520336 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2023 |
| Lead | 3 ppb (2021) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 9 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 522 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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