20 Concord Dr, Dunedin, FL 34698 Property Records

Pinellas County property record for 20 Concord Dr, Dunedin, FL 34698

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,748 sqft · built 2019
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$751,706 (Jan 2020)
Tax Bill	$12,261 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-001-117-7521-9`

Property Details

APN / Parcel Number

Primary APN	`C62-001-117-7521-9`
Alternative APNs	`35-28-15-23229-000-0200` `281535232290000200` `R492486`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,748 sqft Living Area
Gross Area	3,783 sqft
1st Floor Area	2,748 sqft
Flooring	Carpet

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	176 ft deep x 74 ft wide
Garage Type	Attached
Garage Area	567 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	468 sqft
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R492486
Street Address	20 CONCORD DR
City	DUNEDIN
State	FL
Zip	34698-6860
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DUNEDIN COVE LOT 20
Legal Range	15E
Legal Township	28S
Legal Section	35
Legal Subdivision	DUNEDIN COVE
Legal Lot Number	20
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2001
Census Tract	26915

Owner

Source: Pinellas County records, as of March 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20 CONCORD DR, DUNEDIN, FL 34698-6860
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2022	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK
Jan 16, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2020 · Amount on Record
Deed Sale	Jan 16, 2020 · Amount on Record
Deed Document Number	202018919
Deed Book / Page	20849 / 37
Last Transfer Date	Oct 1, 2024
Transfer Doc	0229401709
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	20 CONCORD DR, DUNEDIN, FL 34698-6860
Transaction Type	Mortgage
Record Updated	Jul 7, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0221050160
Date	Jun 17, 2022
Book Page	22105/160
Instrument	2022190186

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	20 CONCORD DR, DUNEDIN, FL 34698-6860
Transaction Type	Mortgage
Record Updated	Feb 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CONCORD DR, DUNEDIN, FL 34698-6860

Mortgage

Document Number	0213930055
Date	Feb 17, 2021
Book Page	21393/55
Instrument	2021051905

Lender

Name	COGENT BANK
Type	Bank
Address	ORANGE CITY, FL 32763

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Dec 1, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jan 16, 2020
Property Address	20 CONCORD DR, DUNEDIN, FL 34698-6860
Document Number	0208490037
Book / Page	20849 / 0037
Map Reference	MB 143 PG 34-36
Instrument Date	Jan 13, 2020
Instrument	2020018919
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,262.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9400 RIVER CROSSING BLVD # BLVD102, 9400, NEW PORT RICHEY, FL 34655-6033

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CONCORD DR, DUNEDIN, FL 34698-6860

Mortgage

Document Number	0208490039
Date	Jan 16, 2020
Instrument	20849/0039

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Municipality	Dunedin City
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,261.00 (+5.5%)	$738,136 (+5.99%)	$1,108,797 (+29.8%) Land $399,161 Building $709,636
2024	$11,622.00 (+1.26%)
2023	$11,477.00 (+2.52%) Homeowner's exemption	$696,440 (+3%)	$854,215 (+14.18%) Land $269,842 Building $584,373
2022	$11,195.00 Homeowner's exemption	$676,155	$748,111 Land $322,533 Building $425,578

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Record median of 37 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	37 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.

Wildfire

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DUNEDIN WATER SYSTEM serves 46,161 people · EPA ID FL6520486
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2023) 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	32 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 600 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 · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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