Pinellas County property record for 1971 Harding St, Clearwater, FL 33765
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,321 sqft · built 1954 |
| Lot Size | 0.161 acres (7,026 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $707 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-745-1846-5 |
| Primary APN | C62-000-745-1846-5 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,321 sqft Living Area |
| Gross Area | 1,501 sqft |
| 1st Floor Area | 1,321 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1954 |
|---|---|
| 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 | 7,026 sqft (0.161 acres) |
| Lot Dimensions | 85 ft deep x 80 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 64 sqft |
| Deck Area | 200 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R129783 |
|---|---|
| Street Address | 1971 HARDING ST |
| City | CLEARWATER |
| State | FL |
| Zip | 33765-2432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MARYMONT BLK 25, LOTS 11 & 12 & E 10FT OF LOT 10 & W 20FT OF LOT 13 |
| Legal Range | 15E |
| Legal Township | 29S |
| Legal Section | 12 |
| Legal Subdivision | MARYMONT |
| Legal Tract | 55782 |
| Legal Block | 25 |
| Legal Lot Number | 10 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 26602 |
1971 Harding St is owned and occupied by two individuals who acquired it in October 2019.
Source: Pinellas County records, as of December 2, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1971 HARDING ST, CLEARWATER, FL 33765-2432 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 17, 2019 | Intrafamily Transfer, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 17, 2019 |
| Deed Sale | Oct 17, 2019 |
| Prior Sale | Aug 26, 2004 · Amount on File |
| Deed Document Number | 2019335185 |
| Deed Book / Page | 20735 / 2294 |
| Prior Transfer Date | Sep 23, 2019 |
| Prior Transfer Doc | 0207352294 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 1971 HARDING ST, CLEARWATER, FL 33765-2432 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1971 HARDING ST, CLEARWATER, FL 33765-2432 |
| Document Number | 0218700678 |
|---|---|
| Date | Dec 29, 2021 |
| Book Page | 21870/678 |
| Instrument | 2021420502 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Oct 17, 2019 |
| Property Address | 1971 HARDING ST, CLEARWATER, FL 33765-2432 |
| Document Number | 0207352294 |
| Book / Page | 20735 / 2294 |
| Map Reference | MB 14 PG 39 |
| Instrument Date | Sep 23, 2019 |
| Instrument | 2019335185 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1971 HARDING ST, CLEARWATER, FL 33765-2432 |
| Document Number | 0207352297 |
|---|---|
| Date | Oct 17, 2019 |
| Instrument | 20735/2297 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2049 |
The 2025 property tax bill for 1971 Harding St was $707 with a homeowner's exemption, up 8.6% from the year before.
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Municipality | Clearwater City |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $707.00 (+8.6%) Homeowner's exemption | $78,909 | $303,005 Land $136,177 Building $166,828 |
| 2024 | $651.00 (+3.83%) | ||
| 2023 | $627.00 (+1.62%) Homeowner's exemption | $74,451 (+3%) | $278,186 (+26.49%) Land $150,528 Building $127,658 |
| 2022 | $617.00 Homeowner's exemption | $72,283 | $219,922 Land $115,635 Building $104,287 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1971 Harding St in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 9 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.
The area around 1971 Harding 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CLEARWATER WATER SYSTEM serves 115,000 people · EPA ID FL6520336 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2023 |
| Lead | 3 ppb (2021) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 9 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.
Source: FCC Broadband Data Collection, based on 437 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 |
May also be available: Frontier, Verizon.
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