1989 E Lake Rd, Palm Harbor, FL 34685 Property Records

Pinellas County property record for 1989 E Lake Rd, Palm Harbor, FL 34685

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,357 sqft · built 2001
Lot Size	0.067 acres (2,901 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Aug 2022)
Tax Bill	$3,540 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Aug 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`C62-000-758-2553-9`

Property Details

APN / Parcel Number

Primary APN	`C62-000-758-2553-9`
Alternative APNs	`04-28-16-13705-000-0030` `281604137050000030` `R408565`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,357 sqft Living Area
Gross Area	3,106 sqft
1st Floor Area	1,626 sqft
Upper Floors Area	731 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2006
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	2,901 sqft (0.067 acres)
Lot Dimensions	80 ft deep x 35 ft wide
View / Lot	Street
Garage Type	Attached
Garage Area	524 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	225 sqft
Deck Area	Deck Area
Patio Area	80 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R408565
Street Address	1989 E LAKE RD
City	PALM HARBOR
State	FL
Zip	34685-2357
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD251
Legal Description	CARRIAGE HOUSE LOT 3
Legal Range	16E
Legal Township	28S
Legal Section	4
Legal Subdivision	CARRIAGE HOUSE
Legal Tract	13705
Legal Lot Number	3
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1009
Census Tract	27324

Owner

1989 E Lake Rd is owned and occupied by two individuals who bought it in August 2022.

Source: Pinellas County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1989 E LAKE RD, PALM HARBOR, FL 34685-2357
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 8, 2025	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Aug 17, 2022	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2022 · Amount on File
Deed Sale	Aug 17, 2022 · Amount on File
Prior Sale	Mar 26, 2003 · Amount on File
Deed Document Number	2022252254
Deed Book / Page	22172 / 413
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	1989 E LAKE RD, PALM HARBOR, FL 34685-2357
Transaction Type	Mortgage
Record Updated	Sep 26, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1989 E LAKE RD, PALM HARBOR, FL 34685-2357

Mortgage

Document Number	0232872194
Date	Sep 8, 2025
Book Page	23287/2194
Instrument	2025257010

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Aug 25, 2055

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Aug 17, 2022
Property Address	1989 E LAKE RD, PALM HARBOR, FL 34685-2357
Document Number	0221720413
Book / Page	22172 / 413
Map Reference	MB 124 PG 25
Instrument Date	Aug 17, 2022
Instrument	2022252254
Transaction Type	Transfer
Record Updated	Sep 9, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5600 COLLINS AVE # AVE12S, 5600, MIAMI BEACH, FL 33140-2455

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1697 PINE PL, CLEARWATER, FL 33755-1356

Mortgage

Document Number	0022172414
Date	Aug 17, 2022
Instrument	22172/414

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1989 E Lake Rd was $3,540 with a homeowner's exemption.

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	$3,540.00 Homeowner's exemption	$230,472	$454,020 Land $35,509 Building $418,511
2023	$3,274.00 (-45.67%) Homeowner's exemption	$217,453 (-37.68%)	$321,439 (-7.88%) Land $37,531 Building $283,908
2022	$6,026.00	$348,920	$348,920 Land $52,125 Building $296,795

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 1989 E Lake Rd in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 151 individual policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	213 units insured incl. 62 condo units
Nearby Flood Claims	3 (2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 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 1989 E Lake Rd is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, WOW Internet, Cable & Phone.

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