2010 Harding St, Clearwater, FL 33765 Property Records

Pinellas County property record for 2010 Harding St, Clearwater, FL 33765

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,651 sqft · built 1955
Lot Size	0.251 acres (10,942 sqft)
Owner	2 Individual Names on Record
Last Sale	$24,000 (Nov 1996)
Tax Bill	$1,483 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-745-2310-1`

Property Details

APN / Parcel Number

Primary APN	`C62-000-745-2310-1`
Alternative APNs	`12-29-15-82638-002-0060` `152912826380020060` `R130248`

Interior

Full Baths	3 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,651 sqft Heated Area
1st Floor Area	1,651 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1974
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,942 sqft (0.251 acres)
Lot Dimensions	129 ft deep x 85 ft wide
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	164 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R130248
Old Parcel Number	152912826380020060
Street Address	2010 HARDING ST
City	CLEARWATER
State	FL
Zip	33765-2507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SKYCREST TERRACE BLK B, LOT 6
Legal Range	15
Legal Township	29
Legal Section	12
Legal Subdivision	SKYCREST TERRACE
Legal Block	B
Legal Lot Number	6
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1030
Census Tract	26703

Owner

Source: Pinellas County records, as of December 26, 2025

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
Co-owner	Co-owner on Record
Mailing Address	2010 HARDING ST, CLEARWATER, FL 33765-2507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Deed of Trust, Mortgage · Line of Credit TIAA FSB HOLDINGS INC
Oct 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage TIAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 1996 · Amount on Record
Deed Sale	Nov 15, 1996 · Amount on Record
Prior Sale	Nov 30, 1995 · Amount on Record
Deed Document Number	0095242214
Deed Book / Page	09178 / 00197
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	2010 HARDING ST, CLEARWATER, FL 33765-2507
Transaction Type	Mortgage
Record Updated	Sep 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2010 HARDING ST, CLEARWATER, FL 33765-2507

Mortgage

Document Number	0216931056
Date	Aug 30, 2021
Book Page	21693/1056
Instrument	2021284411

Lender

Name	TIAA FSB HOLDINGS INC
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	349 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	2010 HARDING ST, CLEARWATER, FL 33765-2507
Document Number	0207620864
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 22, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2010 HARDING ST CLEARWATER FL 337652507, CLEARWATER, FL 33765-2507

Mortgage

Document Number	0207620864
Date	Nov 6, 2019
Book Page	020762/000864
Instrument	358657

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2049

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,483.00 (+9.93%) Homeowner's exemption	$119,029 (+5.99%)	$273,302 (+21.11%) Land $171,937 Building $101,365
2023	$1,349.00 (+4.33%) Homeowner's exemption	$112,305 (+3%)	$225,658 (+7.68%) Land $169,413 Building $56,245
2022	$1,293.00 Homeowner's exemption	$109,034	$209,554 Land $161,867 Building $47,687

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 17 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2012 · Tropical Storm Debby

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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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