1645 Cardinal Dr, Dunedin, FL 34698 Property Records

Pinellas County property record for 1645 Cardinal Dr, Dunedin, FL 34698

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,246 sqft · built 1960
Lot Size	0.145 acres (6,299 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Apr 2020)
Tax Bill	$7,137 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-742-3530-0`

Property Details

APN / Parcel Number

Primary APN	`C62-000-742-3530-0`
Alternative APNs	`23-28-15-13410-000-0050` `281523134100000050` `152823134100000050` `R246024`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,246 sqft Living Area
Gross Area	1,945 sqft
1st Floor Area	1,246 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1998
Architectural Style	H-Shape
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	6,299 sqft (0.145 acres)
Lot Dimensions	105 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	234 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	95 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Radiant

Location & Zoning

Account Number	R246024
Street Address	1645 CARDINAL DR
City	DUNEDIN
State	FL
Zip	34698-3402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARDINAL MANOR LOT 5
Legal Range	15E
Legal Township	28S
Legal Section	23
Legal Subdivision	CARDINAL MANOR
Legal Tract	13410
Legal Lot Number	5
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2002
Census Tract	27105

Owner

Source: Pinellas County records, as of September 10, 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	1645 CARDINAL DR, DUNEDIN, FL 34698-3402
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Feb 3, 2017	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN MUTUAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2020 · Amount on Record
Deed Sale	Apr 7, 2020 · Amount on Record
Prior Sale	Feb 1, 2017 · Amount on Record
Deed Document Number	2020115016
Deed Book / Page	20954 / 1413
Prior Transfer Date	Nov 23, 2010
Prior Transfer Doc	0170980899
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Apr 7, 2020
Property Address	1645 CARDINAL DR, DUNEDIN, FL 34698-3402
Document Number	0209541413
Book / Page	20954 / 1413
Map Reference	MB 51 PG 62
Instrument Date	Apr 6, 2020
Instrument	2020115016
Transaction Type	Transfer
Record Updated	Jun 24, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1591 GLEN HOLLOW LN S, 1591, DUNEDIN, FL 34698-3226

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0209541415
Date	Apr 7, 2020
Instrument	20954/1415

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Feb 3, 2017
Property Address	1645 CARDINAL DR, DUNEDIN, FL 34698-3402
Document Number	0195082437
Book / Page	019508 / 002437
Instrument Date	Feb 3, 2017
Instrument	38514
Transaction Type	Transfer
Record Updated	May 3, 2017
Title Company	TEXAS TITLE SOLUTIONS, TOTAL TITLE SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,738.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1645 CARDINAL DR DUNEDIN FL 346983402, DUNEDIN, FL 34698-3402

Mortgage

Document Number	195082439
Date	Feb 3, 2017
Book Page	019508/002439
Instrument	38515

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	SOUTHFIELD, MI 48034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,137.00 (+20.03%)	$443,529 (+16.22%) Land $192,763 Building $250,766	$443,529 (+16.22%) Land $192,763 Building $250,766
2023	$5,946.00 (+12.1%)	$381,626 (+17.75%)	$381,626 (+17.75%) Land $183,582 Building $198,044
2022	$5,304.00	$324,112	$324,112 Land $169,172 Building $154,940

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 149 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	149 in force
Nearby Flood Claims	136 (1979–2024)
Claims Outside the SFHA	13 of 136
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Helene, Sep 2024 · 67 claims Hurricane Idalia, Aug 2023 · 10 claims Tropical Storm Josephine, Oct 1996 · 15 claims

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 96% 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	DUNEDIN WATER SYSTEM serves 46,161 people · EPA ID FL6520486
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2023) 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	32 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 394 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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