186 E Canal Dr, Palm Harbor, FL 34684 Property Records

Pinellas County property record for 186 E Canal Dr, Palm Harbor, FL 34684

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,672 sqft · built 1992
Lot Size	0.145 acres (6,321 sqft)
Owner	Individual Name on File
Last Sale	$415,000 (Jan 2024)
Tax Bill	$7,229 (2025)
Deeds & Mortgages	Jan 2024 Sale Apr 2019 Reverse Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`C62-000-757-3790-8`

Property Details

APN / Parcel Number

Primary APN	`C62-000-757-3790-8`
Alternative APNs	`29-27-16-48510-000-1860` `271629485100001860` `162729485100001860` `R310300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,672 sqft Living Area
Gross Area	2,284 sqft
1st Floor Area	1,672 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1996
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,321 sqft (0.145 acres)
Lot Dimensions	103 ft deep x 60 ft wide
View / Lot	Canal/Waterfront
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	172 sqft
Loading Dock	96 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R310300
Street Address	186 E CANAL DR
City	PALM HARBOR
State	FL
Zip	34684-1201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LAKE SHORE ESTATES 1ST ADD LOT 186
Legal Range	16E
Legal Township	27S
Legal Section	29
Legal Subdivision	LAKE SHORE ESTATES 1ST ADD
Legal Tract	48510
Legal Lot Number	186
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	3
Census Block	3014
Census Tract	27204

Owner

186 E Canal Dr is owned by an individual who bought it in January 2024.

Source: Pinellas County records, as of October 1, 2026

Owner of Record	Individual Name on File
Mailing Address	508 CHAMPIONS CT, NASHVILLE, TN 37211-6866
Owner Type	Individual
Vesting	Unmarried Man

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
Jan 30, 2024	Warranty Deed, Transfer SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY
Apr 23, 2019	Deed of Trust, Mortgage · Reverse Mortgage PLAZA HOME MORTGAGE INC
Apr 16, 2019	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2024 · Amount on File
Deed Sale	Jan 30, 2024 · Amount on File
Prior Sale	Apr 11, 2011 · Amount on File
Deed Document Number	202423104
Deed Book / Page	22690 / 613
Prior Transfer Date	Sep 9, 2010
Prior Transfer Doc	0170570425
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jan 30, 2024
Property Address	186 E CANAL DR, PALM HARBOR, FL 34684-1201
Document Number	0226900613
Book / Page	22690 / 613
Map Reference	MB 39 PG 64-66
Instrument Date	Jan 25, 2024
Instrument	2024023104
Transaction Type	Transfer
Record Updated	Feb 19, 2024
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$2,905.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	255 VAUGHN DR APT 128, 128, ALPHARETTA, GA 30009-2418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	508 CHAMPIONS CT, NASHVILLE, TN 37211-6866

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	186 E CANAL DR, PALM HARBOR, FL 34684-1201
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0205111078
Date	Apr 23, 2019
Book Page	20511/1078
Instrument	2019127250

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	876 Months
Due	Apr 8, 2092

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Type Change Date	May 1, 2020
Change Frequency	Annually
Index	1-Year LIBOR

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	186 E CANAL DR, PALM HARBOR, FL 34684-1201
Document Number	0205111091
Instrument Date	Apr 16, 2019
Transaction Type	Mortgage
Record Updated	May 9, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	186 E CANAL DR PALM HARBOR FL 346841201, PALM HARBOR, FL 34684-1201

Mortgage

Document Number	0205111091
Date	Apr 23, 2019
Book Page	020511/001091
Instrument	127251

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	876 Months
Due	Apr 22, 2092

Interest

Rate Type	Adjustable Rate
Rate	3.99%

Tax Assessment & Valuation

The 2025 property tax bill for 186 E Canal Dr was $7,229.

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	$7,229.00	$391,622 Land $143,414 Building $248,208	$391,622 Land $143,414 Building $248,208
2023	$2,049.00 (-0.39%) Homeowner's exemption Disabled Person's exemption	$152,648 (+3%)	$360,847 (+10.14%) Land $174,700 Building $186,147
2022	$2,057.00 Homeowner's exemption Disabled Person's exemption	$148,202	$327,621 Land $175,376 Building $152,245

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 186 E Canal 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 119 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	119 in force
Nearby Flood Claims	9 (1993–2024)
Claims Outside the SFHA	7 of 9
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims Tropical Storm Debby, Jun 2012 · 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

The area around 186 E Canal Dr 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.

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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