1840 Union St, Clearwater, FL 33763 Property Records

Pinellas County property record for 1840 Union St, Clearwater, FL 33763

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,008 sqft · built 1970
Lot Size	0.658 acres (28,680 sqft)
Owner	2 Individual Names on File
Last Sale	$424,000 (Feb 2021)
Tax Bill	$6,410 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Apr 2023 Line of Credit + 2 more
Flood Zone	Zone A (high risk)
APN	`C62-000-743-7641-9`

Property Details

APN / Parcel Number

Primary APN	`C62-000-743-7641-9`
Alternative APNs	`36-28-15-84969-000-0140` `281536849690000140` `152836849690000140` `R393242`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,008 sqft Living Area
Gross Area	2,806 sqft
1st Floor Area	2,008 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1991
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	28,680 sqft (0.658 acres)
Lot Dimensions	130 ft deep x 75 ft wide
View / Lot	Pond
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	315 sqft
Deck Area	Deck Area
Patio Area	150 sqft
Loading Dock	144 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R393242
Street Address	1840 UNION ST
City	CLEARWATER
State	FL
Zip	33763-2246
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING LAKE HEIGHTS UNIT 1 LOT 14
Legal Range	15E
Legal Township	28S
Legal Section	36
Legal Subdivision	SPRING LAKE HEIGHTS UNIT 1
Legal Tract	84969
Legal Block	4
Legal Lot Number	14
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	4
Census Block	4008
Census Tract	26916

Owner

1840 Union St is owned and occupied by two individuals who bought it in February 2021.

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	2 Individual Names on File
Mailing Address	1840 UNION ST, CLEARWATER, FL 33763-2246
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2026	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Apr 25, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Feb 12, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 11, 2018	Warranty Deed, Transfer · FHA Mortgage E MORTGAGE MANAGEMENT LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2021 · Amount on File
Deed Sale	Feb 12, 2021 · Amount on File
Prior Sale	Sep 11, 2018 · Amount on File
Deed Document Number	202148557
Deed Book / Page	21389 / 290
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	1840 UNION ST, CLEARWATER, FL 33763-2246
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1840 UNION ST, CLEARWATER, FL 33763-2246

Mortgage

Document Number	0234161106
Date	Jan 9, 2026
Book Page	23416/1106
Instrument	2026005469

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Dec 29, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	1840 UNION ST, CLEARWATER, FL 33763-2246
Transaction Type	Mortgage
Record Updated	May 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1840 UNION ST, CLEARWATER, FL 33763-2246

Mortgage

Document Number	0224172458
Date	Apr 25, 2023
Book Page	22417/2458
Instrument	2023106105

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 17, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Feb 12, 2021
Property Address	1840 UNION ST, CLEARWATER, FL 33763-2246
Document Number	0213890290
Book / Page	21389 / 290
Map Reference	MB 66 PG 57
Instrument Date	Feb 12, 2021
Instrument	2021048557
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ASSURE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,968.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9754 54TH AVE N, 9754, SAINT PETERSBURG, FL 33708-3706

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1840 UNION ST, CLEARWATER, FL 33763-2246

Mortgage

Document Number	0021389292
Date	Feb 12, 2021
Instrument	21389/292

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 11, 2018
Property Address	1840 UNION ST, CLEARWATER, FL 33763-2246
Document Number	0202010683
Book / Page	20201 / 0683
Map Reference	MB 66 PG 57
Instrument Date	Sep 10, 2018
Instrument	2018291318
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1078 OAKWOOD DR, 1078, DUNEDIN, FL 34698-6526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1840 UNION ST, CLEARWATER, FL 33763-2246

Mortgage

Document Number	2018291319
Date	Sep 11, 2018
Instrument	2018291319

Lender

Name	E MORTGAGE MANAGEMENT LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1840 Union St was $6,410 with a homeowner's exemption.

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	$6,410.00 Homeowner's exemption	$373,615	$446,237 Land $180,168 Building $266,069
2023	$5,824.00 (+2.82%) Homeowner's exemption	$344,454 (+3%)	$385,721 (+15.34%) Land $174,365 Building $211,356
2022	$5,664.00 Homeowner's exemption	$334,421	$334,421 Land $178,238 Building $156,183

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

Flood

FEMA maps place 1840 Union St in Zone A, 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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 76 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	76 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

The area around 1840 Union St 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 435 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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