1963 Downing Pl, Palm Harbor, FL 34683 Property Records

Pinellas County property record for 1963 Downing Pl, Palm Harbor, FL 34683

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,362 sqft · built 1986
Lot Size	0.325 acres (14,170 sqft)
Owner	2 Trust Names on File
Last Sale	$1,200,000 (Jul 2023)
Tax Bill	$18,962 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Apr 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-741-6936-8`

Property Details

APN / Parcel Number

Primary APN	`C62-000-741-6936-8`
Alternative APNs	`12-28-15-02857-003-0090` `281512028570030090` `152812028570030090` `R128118`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	3,362 sqft Living Area
Gross Area	4,703 sqft
1st Floor Area	3,362 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1998
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	14,170 sqft (0.325 acres)
Lot Dimensions	141 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	713 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	628 sqft
Deck Area	100 sqft
Patio Area	100 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R128118
Street Address	1963 DOWNING PL
City	PALM HARBOR
State	FL
Zip	34683-5727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BARRINGTON OAKS WEST BLK 3, LOT 9
Legal Range	15E
Legal Township	28S
Legal Section	12
Legal Subdivision	BARRINGTON OAKS WEST
Legal Tract	2857
Legal Block	3
Legal Lot Number	9
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	4
Census Block	4013
Census Tract	27208

Owner

1963 Downing Pl is owner-occupied and held in a trust since July 2023.

Source: Pinellas County records, as of October 21, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1963 DOWNING PL, PALM HARBOR, FL 34683-5727
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Jul 11, 2023	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
Oct 31, 2018	Intrafamily Transfer, Transfer · ARM NORTH AMERICAN SAVINGS BANK FSB
Oct 2, 2018	Warranty Deed, Transfer
Jan 20, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2023 · Amount on File
Deed Sale	Jul 11, 2023 · Amount on File
Prior Sale	Oct 2, 2018 · Amount on File
Deed Document Number	2023178391
Deed Book / Page	22499 / 1624
Prior Transfer Date	Oct 25, 2018
Prior Transfer Doc	0203180926
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jul 11, 2023
Property Address	1963 DOWNING PL, PALM HARBOR, FL 34683-5727
Document Number	0224991624
Book / Page	22499 / 1624
Map Reference	MB 85 PG 72&73
Instrument Date	Jun 30, 2023
Instrument	2023178391
Transaction Type	Transfer
Record Updated	Dec 29, 2025
Title Company	REPUBLIC LAND AND TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13720 WILKES DR, TAMPA, FL 33618-2551

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1963 DOWNING PL, PALM HARBOR, FL 34683-5727

Mortgage

Document Number	0224991627
Date	Jul 11, 2023
Instrument	22499/1627

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Jul 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.8%
Index	SOFR Average 30-Day
Max Rate	11.8%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	1963 DOWNING PL, PALM HARBOR, FL 34683-5727
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0209730765
Date	Apr 21, 2020
Book Page	20973/765
Instrument	2020130056

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

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

October 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PINELLAS FL
Recording Date	Oct 31, 2018
Property Address	1963 DOWNING PL, PALM HARBOR, FL 34683-5727
Document Number	0203180926
Book / Page	20318 / 0926
Map Reference	MB 85 PG 72&73
Instrument Date	Oct 25, 2018
Instrument	2018350173
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	REPUBLIC LAND & TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1963 DOWNING PL, 1963, PALM HARBOR, FL 34683-5727

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 2396, DUNEDIN, FL 34697-2396

Mortgage

Document Number	2018350174
Date	Oct 31, 2018
Instrument	2018350174

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Nov 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 2, 2018
Property Address	1963 DOWNING PL, PALM HARBOR, FL 34683-5727
Document Number	0202450590
Book / Page	020245 / 000590
Instrument Date	Sep 26, 2018
Instrument	315640
Transaction Type	Transfer
Record Updated	Nov 22, 2018

Transaction

Amount	Amount on Record
Tax	$4,899.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 2396 DUNEDIN FL 346972396, DUNEDIN, FL 34697-2396

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PINELLAS FL
Recording Date	Jan 20, 2017
Property Address	1963 DOWNING PL, PALM HARBOR, FL 34683-5727
Document Number	0194900215
Book / Page	019490 / 000215
Instrument Date	Dec 28, 2016
Instrument	21261
Transaction Type	Transfer
Record Updated	Feb 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	1963 DOWNING PL PALM HARBOR FL 346835727, PALM HARBOR, FL 34683-5727

Tax Assessment & Valuation

The 2025 property tax bill for 1963 Downing Pl was $18,962, up 14.3% from the year before.

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	$18,962.00 (+14.28%)	$1,059,029 Land $177,749 Building $881,280	$1,059,029 Land $177,749 Building $881,280
2024	$16,593.00 (+99.15%)
2023	$8,332.00 (+1.75%) Homeowner's exemption Widower's exemption	$487,520 (+3%)	$779,541 (+28.41%) Land $158,536 Building $621,005
2022	$8,189.00 Homeowner's exemption Widower's exemption	$473,320	$607,051 Land $126,620 Building $480,431

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 1963 Downing Pl in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2012.

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 File median of 71 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	71 in force
Nearby Flood Claims	3 (2012–2013)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2013 · rainfall accumulation
Claims by Event	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

Wildfire risk around 1963 Downing Pl 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 99.1% of the US · lower than 98.7% 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 435 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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