1550 Midnight Pass Way, Clearwater, FL 33765 Property Records

Pinellas County property record for 1550 Midnight Pass Way, Clearwater, FL 33765

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,538 sqft · built 1985
Lot Size	0.266 acres (11,600 sqft)
Owner	2 Individual Names on File
Last Sale	$560,000 (Nov 2024)
Tax Bill	$9,945 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-762-6439-9`

Property Details

APN / Parcel Number

Primary APN	`C62-000-762-6439-9`
Alternative APNs	`06-29-16-16860-000-0480` `291606168600000480` `R58820`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	2,538 sqft Living Area
Gross Area	3,198 sqft
1st Floor Area	2,538 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	11,600 sqft (0.266 acres)
Lot Dimensions	123 ft deep x 102 ft wide
Garage Type	Attached
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	165 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R58820
Street Address	1550 MIDNIGHT PASS WAY
City	CLEARWATER
State	FL
Zip	33765-1818
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COACHMAN RIDGE-TRACT A-1 LOT 48
Legal Range	16E
Legal Township	29S
Legal Section	6
Legal Subdivision	COACHMAN RIDGE-TRACT A-1
Legal Tract	A-1
Legal Lot Number	48
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2018
Census Tract	26704

Owner

1550 Midnight Pass Way is owned and occupied by two individuals who bought it in November 2024.

Source: Pinellas County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1550 MIDNIGHT PASS WAY, CLEARWATER, FL 33765-1818
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 28, 2026	Deed of Trust, Mortgage · Line of Credit PARAMOUNT MORTGAGE
Feb 20, 2018	Deed of Trust, Mortgage · Conventional with PMI ACHIEVA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2024 · Amount on File
Deed Sale	Nov 8, 2024 · Amount on File
Prior Sale	Dec 20, 2005 · Amount on File
Deed Document Number	2024278538
Deed Book / Page	22969 / 513
Prior Transfer Date	Apr 6, 2015
Prior Transfer Doc	0187342037
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Recording Date	Aug 28, 2026
Property Address	1550 MIDNIGHT PASS WAY, CLEARWATER, FL 33765-1818
Document Number	0000232826
Book / Page	23677 / 2542
Instrument Date	Aug 22, 2026
Instrument	2026232826
Transaction Type	Mortgage
Record Updated	Sep 14, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000232826,
Date	Aug 28, 2026
Book Page	23677/2542
Instrument	2026232826

Lender

Name	PARAMOUNT MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Sep 17, 2041

Interest

Max Rate	-1%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	1550 MIDNIGHT PASS WAY, CLEARWATER, FL 33765-1818
Document Number	0199531481
Instrument Date	Feb 20, 2018
Transaction Type	Mortgage
Record Updated	Mar 14, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1550 MIDNIGHT PASS WAY CLEARWATER FL 337651818, CLEARWATER, FL 33765-1818

Mortgage

Document Number	0199531481
Date	Feb 26, 2018
Book Page	019953/001481
Instrument	58508

Lender

Name	ACHIEVA CU
Type	Credit Union
Address	DUNEDIN, FL 34698

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Feb 25, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 1550 Midnight Pass Way was $9,945, up 154.2% from the year before.

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Municipality	Clearwater City
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,945.00 (+154.22%)	$556,268 Land $221,430 Building $334,838	$556,268 Land $221,430 Building $334,838
2024	$3,912.00 (+1.88%)
2023	$3,840.00 (+3.03%) Homeowner's exemption	$241,548 (+3%)	$578,197 (+20.47%) Land $331,002 Building $247,195
2022	$3,727.00 Homeowner's exemption	$234,513	$479,967 Land $289,621 Building $190,346

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.

Flood

FEMA maps place 1550 Midnight Pass Way in Zone X, an area of minimal flood risk.

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 57 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	57 in force

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

Wildfire risk around 1550 Midnight Pass Way 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 98% of the US · lower than 97.6% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 286 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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