17 Cypress Dr, Palm Harbor, FL 34684 Property Records

Pinellas County property record for 17 Cypress Dr, Palm Harbor, FL 34684

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,229 sqft · built 1979
Lot Size	0.137 acres (5,981 sqft)
Owner	Individual Name on File
Last Sale	$226,000 (Mar 2019)
Tax Bill	$2,662 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`C62-000-757-5244-4`

Property Details

APN / Parcel Number

Primary APN	`C62-000-757-5244-4`
Alternative APNs	`30-27-16-48546-000-0170` `271630485460000170` `162730485460000170` `R322091`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,229 sqft Living Area
Gross Area	1,652 sqft
1st Floor Area	1,229 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1990
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,981 sqft (0.137 acres)
Lot Dimensions	100 ft deep x 60 ft wide
View / Lot	Park
Garage Type	Attached
Garage Area	325 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	98 sqft
Deck Area	130 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R322091
Street Address	17 CYPRESS DR
City	PALM HARBOR
State	FL
Zip	34684-1209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LAKE SHORE ESTATES 3RD ADD LOT 17
Legal Range	16E
Legal Township	27S
Legal Section	30
Legal Subdivision	LAKE SHORE ESTATES 3RD ADD
Legal Tract	48546
Legal Lot Number	17
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	2
Census Block	2011
Census Tract	27204

Owner

17 Cypress Dr is owned and occupied by an individual who bought it in March 2019.

Source: Pinellas County records, as of September 10, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	17 CYPRESS DR, PALM HARBOR, FL 34684-1209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2022	Deed of Trust, Mortgage · Line of Credit BANK AMERICA FSB
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Mar 25, 2019	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2019 · Amount on File
Deed Sale	Mar 25, 2019 · Amount on File
Prior Sale	Dec 30, 2004 · Amount on File
Deed Document Number	201990340
Deed Book / Page	20472 / 2373
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	17 CYPRESS DR, PALM HARBOR, FL 34684-1209
Transaction Type	Mortgage
Record Updated	Nov 23, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 CYPRESS DR, PALM HARBOR, FL 34684-1209

Mortgage

Document Number	0222390541
Date	Oct 21, 2022
Book Page	22239/541
Instrument	2022309092

Lender

Name	BANK AMERICA FSB
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 30, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	17 CYPRESS DR, PALM HARBOR, FL 34684-1209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 CYPRESS DR, PALM HARBOR, FL 34684-1209

Mortgage

Document Number	0212230050
Date	Oct 23, 2020
Book Page	21223/50
Instrument	2020318752

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Mar 25, 2019
Property Address	17 CYPRESS DR, PALM HARBOR, FL 34684-1209
Document Number	0204722373
Book / Page	20472 / 2373
Map Reference	MB 46 PG 15
Instrument Date	Mar 7, 2019
Instrument	2019090340
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	STAR TTL PARTNERS OF TAMPA L

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,582.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3085 REGAL OAKS BLVD, 3085, PALM HARBOR, FL 34684-1612

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 CYPRESS DR, PALM HARBOR, FL 34684-1209

Mortgage

Document Number	2019090341
Date	Mar 25, 2019
Instrument	2019090341

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 17 Cypress Dr was $2,662 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,662.00 Homeowner's exemption	$180,279	$258,635 Land $85,720 Building $172,915
2023	$2,453.00 (+3.46%) Homeowner's exemption	$170,095 (+3%)	$207,736 (+5.26%) Land $96,876 Building $110,860
2022	$2,371.00 Homeowner's exemption	$165,141	$197,347 Land $101,184 Building $96,163

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

Flood

FEMA maps place 17 Cypress Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 183 individual policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	207 units insured incl. 24 condo units
Nearby Flood Claims	10 (2012–2024)
Claims Outside the SFHA	1 of 10
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 3 claims Hurricane Helene, Sep 2024 · 2 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

Wildfire risk around 17 Cypress Dr is low, with less than 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 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 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 677 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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