Pinellas County property record for 1909 Palm Dr, Clearwater, FL 33763
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 840 sqft · built 1958 |
| Lot Size | 0.142 acres (6,181 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $812 (2025) |
| Deeds & Mortgages | Jan 2017 Reverse Mortgage Jan 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-743-7452-1 |
| Primary APN | C62-000-743-7452-1 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 840 sqft Living Area |
| Gross Area | 1,592 sqft |
| 1st Floor Area | 840 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Custom Design |
| Exterior Material | Brick/Concrete Block Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 6,181 sqft (0.142 acres) |
| Lot Dimensions | 103 ft deep x 60 ft wide |
| Porch | Slab |
| Porch Area | 752 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R393052 |
|---|---|
| Street Address | 1909 PALM DR |
| City | CLEARWATER |
| State | FL |
| Zip | 33763-2221 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LAKE PINES ESTATES UNIT 3 LOT 66 |
| Legal Range | 15E |
| Legal Township | 28S |
| Legal Section | 36 |
| Legal Subdivision | LAKE PINES ESTATES UNIT 3 |
| Legal Tract | 48348 |
| Legal Block | 4 |
| Legal Lot Number | 66 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 26916 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 1909 PALM DR, CLEARWATER, FL 33763-2221 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 13, 2017 | Deed of Trust, Mortgage · Reverse Mortgage ONE REVERSE MORTGAGE LLC |
| Jan 9, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 1909 PALM DR, CLEARWATER, FL 33763-2221 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0194841180 |
|---|---|
| Date | Jan 13, 2017 |
| Book Page | 19484/1180 |
| Instrument | 2017015747 |
| Name | ONE REVERSE MORTGAGE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | SAN DIEGO, CA 92121 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 916 Months |
| Due | May 25, 2093 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.81% |
| Type Change Date | Feb 1, 2018 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Index | 1-Year LIBOR |
| Max Rate | 5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 1909 PALM DR, CLEARWATER, FL 33763-2221 |
| Document Number | 0194841194 |
| Instrument Date | Jan 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1909 PALM DR CLEARWATER FL 337632221, CLEARWATER, FL 33763-2221 |
| Document Number | 0194841194 |
|---|---|
| Date | Jan 13, 2017 |
| Book Page | 019484/001194 |
| Instrument | 15748 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 912 Months |
| Due | Jan 12, 2093 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.81% |
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $812.00 (+10.33%) Homeowner's exemption | $80,416 (+5.99%) | $273,300 (+10.86%) Land $137,176 Building $136,124 |
| 2023 | $736.00 (+2.36%) Homeowner's exemption | $75,874 (+3%) | $246,534 (+15.83%) Land $140,389 Building $106,145 |
| 2022 | $719.00 Homeowner's exemption | $73,664 | $212,834 Land $135,041 Building $77,793 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% 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.
Source: FCC Broadband Data Collection, based on 317 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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