1640 Harmony Dr, Clearwater, FL 33756 Property Records

Pinellas County property record for 1640 Harmony Dr, Clearwater, FL 33756

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 1964
Lot Size	0.214 acres (9,304 sqft)
Owner	2 Individual Names on Record
Last Sale	$100 (Aug 2026)
Tax Bill	$5,790 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-747-0451-1`

Property Details

APN / Parcel Number

Primary APN	`C62-000-747-0451-1`
Alternative APNs	`26-29-15-50922-000-0950` `291526509220000950` `152926509220000950` `R284701`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,440 sqft Living Area
Gross Area	2,284 sqft
1st Floor Area	1,440 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1993
Architectural Style	H-Shape
Exterior Material	Brick/Concrete Block Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,304 sqft (0.214 acres)
Lot Dimensions	123 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	360 sqft
Deck Area	280 sqft
Patio Area	280 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R284701
Street Address	1640 HARMONY DR
City	CLEARWATER
State	FL
Zip	33756-1816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LEISURE ACRES UNIT 2 LOT 95
Legal Range	15E
Legal Township	29S
Legal Section	26
Legal Subdivision	LEISURE ACRES UNIT 2
Legal Tract	50922
Legal Lot Number	95
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1001
Census Tract	25507

Owner

Source: Pinellas County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1640 HARMONY DR, CLEARWATER, FL 33756-1816
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Sep 29, 2023	Warranty Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2026 · Amount on Record
Deed Sale	Aug 17, 2026 · Amount on Record
Prior Sale	Sep 29, 2023 · Amount on Record
Deed Document Number	2026220521
Deed Book / Page	23664 / 2042
Prior Transfer Date	Aug 11, 2026
Prior Transfer Doc	0000220521
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Aug 17, 2026
Property Address	1640 HARMONY DR, CLEARWATER, FL 33756-1816
Document Number	0000220521
Book / Page	23664 / 2042
Instrument Date	Aug 11, 2026
Instrument	2026220521
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	TITLE SECURITY INC, SECURITY TITLE

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1640 HARMONY DR, CLEARWATER, FL 33756-1816

Mortgage

Document Number	0000220522,
Date	Aug 17, 2026
Instrument	2026220522

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 29, 2023
Property Address	1640 HARMONY DR, CLEARWATER, FL 33756-1816
Document Number	0225810132
Book / Page	22581 / 132
Map Reference	MB 60 PG 32
Instrument Date	Sep 29, 2023
Instrument	2023251570
Transaction Type	Transfer
Record Updated	Oct 12, 2023
Title Company	SECURITY TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1640 HARMONY DR, CLEARWATER, FL 33756-1816

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1640 HARMONY DR, CLEARWATER, FL 33756-1816

Mortgage

Document Number	0022581134
Date	Sep 29, 2023
Instrument	22581/134

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,790.00 (+248.59%)	$352,142 (+170.91%) Land $127,056 Building $225,086	$352,142 (+2.93%) Land $127,056 Building $225,086
2023	$1,661.00 (+3.94%) Homeowner's exemption	$129,984 (+3%)	$342,112 (+17.45%) Land $164,736 Building $177,376
2022	$1,598.00 Homeowner's exemption	$126,198	$291,285 Land $151,699 Building $139,586

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

Flood

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 Record median of 43 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	43 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2024 · Hurricane Helene

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

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

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 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 273 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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