2020 Harding St, Clearwater, FL 33765 Property Records

Pinellas County property record for 2020 Harding St, Clearwater, FL 33765

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,599 sqft · built 1954
Lot Size	0.244 acres (10,637 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (May 2017)
Tax Bill	$2,917 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Jun 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-745-2329-1`

Property Details

APN / Parcel Number

Primary APN	`C62-000-745-2329-1`
Alternative APNs	`12-29-15-82638-005-0050` `291512826380050050` `152912826380050050` `R130267`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,599 sqft Living Area
Gross Area	2,988 sqft
1st Floor Area	1,599 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1994
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,637 sqft (0.244 acres)
Lot Dimensions	125 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	625 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	644 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R130267
Street Address	2020 HARDING ST
City	CLEARWATER
State	FL
Zip	33765-2509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SKYCREST TERRACE BLK E, LOT 5
Legal Range	15E
Legal Township	29S
Legal Section	12
Legal Subdivision	SKYCREST TERRACE
Legal Tract	82638
Legal Block	E
Legal Lot Number	5
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1031
Census Tract	26703

Owner

Source: Pinellas County records, as of September 17, 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	2020 HARDING ST, CLEARWATER, FL 33765-2509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2021	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jun 29, 2021	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jun 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
May 12, 2017	Warranty Deed, Transfer MARLIN TITLE CORPORATION, MARLIN TITLE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2017 · Amount on Record
Deed Sale	May 12, 2017 · Amount on Record
Prior Sale	Nov 17, 2016 · Amount on Record
Deed Document Number	2017149131
Deed Book / Page	19627 / 2185
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	2020 HARDING ST, CLEARWATER, FL 33765-2509
Transaction Type	Mortgage
Record Updated	Jul 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2020 HARDING ST, CLEARWATER, FL 33765-2509

Mortgage

Document Number	0216080974
Date	Jul 1, 2021
Book Page	21608/974
Instrument	2021217994

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	2020 HARDING ST, CLEARWATER, FL 33765-2509
Transaction Type	Mortgage
Record Updated	Jul 9, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2020 HARDING ST, CLEARWATER, FL 33765-2509

Mortgage

Document Number	0216031451
Date	Jun 29, 2021
Book Page	21603/1451
Instrument	2021214389

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	2020 HARDING ST, CLEARWATER, FL 33765-2509
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201002405
Date	Jun 22, 2018
Book Page	20100/2405
Instrument	2018199132

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	May 12, 2017
Property Address	2020 HARDING ST, CLEARWATER, FL 33765-2509
Document Number	0196272185
Book / Page	019627 / 002185
Instrument Date	May 3, 2017
Instrument	149131
Transaction Type	Transfer
Record Updated	Jul 10, 2017
Title Company	MARLIN TITLE CORPORATION, MARLIN TITLE CORP

Transaction

Amount	Amount Recorded
Tax	$1,995.00
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	2020 HARDING ST CLEARWATER FL 337652509, CLEARWATER, FL 33765-2509

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of December 2, 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	$2,917.00 (+8.2%) Homeowner's exemption	$193,110 (+5.99%)	$432,026 (+11.76%) Land $165,053 Building $266,973
2023	$2,696.00 (+3.33%) Homeowner's exemption	$182,202 (+3%)	$386,583 (+18.42%) Land $174,639 Building $211,944
2022	$2,609.00 Homeowner's exemption	$176,895	$326,462 Land $159,978 Building $166,484

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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