2051 Cheryl Dr, Clearwater, FL 33763 Property Records

Pinellas County property record for 2051 Cheryl Dr, Clearwater, FL 33763

Property Summary

Property Type	Planned Unit Development
Details	1,547 sqft · built 1985
Lot Size	0.043 acres (1,880 sqft)
Owner	2 Individual Names on Record
Last Sale	$247,000 (Oct 2021)
Tax Bill	$4,193 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Aug 2022 Second Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-762-8474-4`

Property Details

APN / Parcel Number

Primary APN	`C62-000-762-8474-4`
Alternative APNs	`06-29-16-94144-000-0550` `291606941440000550` `162906941440000550` `R60853`

Interior

Stories	1 Story
Building Area	1,547 sqft Living Area
1st Floor Area	1,547 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1992
Exterior Material	Brick/Stone
Construction Type	Wood
Lot Area	1,880 sqft (0.043 acres)
View / Lot	Corner
Garage Type	Carport
Carport	Carport
Porch	Screened Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	R60853
Street Address	2051 CHERYL DR
City	CLEARWATER
State	FL
Zip	33763-4309
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	RPD75
Legal Description	VILLAS OF LAKE ARBOR UNIT 5. THE LOT 55
Legal Range	16E
Legal Township	29S
Legal Section	6
Legal Subdivision	VILLAS OF LAKE ARBOR
Legal Tract	94144
Legal Lot Number	55
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2006
Census Tract	26911

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	2051 CHERYL DR, CLEARWATER, FL 33763-4309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2026	Deed of Trust, Mortgage · Line of Credit HANCOCK WHITNEY BANK
Aug 22, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TD BANK NA
Oct 28, 2021	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Mar 29, 2021	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Mar 12, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Aug 1, 2018	Loan Modification, Mortgage · Conventional Mortgage JP MORGAN CHASE BK
Dec 1, 2016	Loan Modification, Mortgage · FHA Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2021 · Amount on Record
Deed Sale	Oct 28, 2021 · Amount on Record
Prior Sale	Jun 19, 2002 · Amount on Record
Deed Document Number	2021353802
Deed Book / Page	21783 / 760
Prior Transfer Date	Mar 11, 2021
Prior Transfer Doc	0214321461
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	2051 CHERYL DR, CLEARWATER, FL 33763-4309
Transaction Type	Mortgage
Record Updated	Feb 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2051 CHERYL DR, CLEARWATER, FL 33763-4309

Mortgage

Document Number	0234490026
Date	Feb 11, 2026
Book Page	23449/26
Instrument	2026036111

Lender

Name	HANCOCK WHITNEY BANK
Type	Bank
Address	GULFPORT, MS 39501

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	2051 CHERYL DR, CLEARWATER, FL 33763-4309
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2051 CHERYL DR, CLEARWATER, FL 33763-4309

Mortgage

Document Number	0221751138
Date	Aug 22, 2022
Book Page	22175/1138
Instrument	2022255085

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Aug 5, 2062

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 28, 2021
Property Address	2051 CHERYL DR, CLEARWATER, FL 33763-4309
Document Number	0217830760
Book / Page	21783 / 760
Map Reference	MB 74 PG 64&65
Instrument Date	Oct 27, 2021
Instrument	2021353802
Transaction Type	Transfer
Record Updated	Nov 10, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,729.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2051 CHERYL DR, CLEARWATER, FL 33763-4309

Mortgage

Document Number	21783763
Date	Oct 28, 2021
Instrument	21783/763

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	2051 CHERYL DR, CLEARWATER, FL 33763-4309
Transaction Type	Mortgage
Record Updated	Apr 15, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2051 CHERYL DR, CLEARWATER, FL 33763-4309

Mortgage

Document Number	0214571039
Date	Mar 29, 2021
Book Page	21457/1039
Instrument	2021100428

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	328 Months
Due	Jul 1, 2048

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PINELLAS FL
Recording Date	Mar 12, 2021
Property Address	2051 CHERYL DR, CLEARWATER, FL 33763-4309
Document Number	0214321461
Book / Page	21432 / 1461
Map Reference	MB 74 PG 64&65
Instrument Date	Mar 11, 2021
Instrument	2021082003
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2051 CHERYL DR, CLEARWATER, FL 33763-4309

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PINELLAS FL
Property Address	2051 CHERYL DR, CLEARWATER, FL 33763-4309
Document Number	0202602185
Instrument Date	Aug 1, 2018
Transaction Type	Mortgage
Record Updated	Oct 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2087 DREW ST CLEARWATER FL 337653120, CLEARWATER, FL 33765-3120

Mortgage

Document Number	0202602185
Date	Oct 4, 2018
Book Page	020260/002185
Instrument	319495

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43219-6009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2048

Interest

Rate	3.25%

December 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PINELLAS FL
Property Address	2051 CHERYL DR, CLEARWATER, FL 33763-4309
Document Number	0195111032
Book / Page	019511 / 001032
Instrument Date	Dec 1, 2016
Transaction Type	Mortgage
Record Updated	May 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2087 DREW ST CLEARWATER FL 337653120, CLEARWATER, FL 33765-3120

Mortgage

Document Number	0195111032
Date	Feb 7, 2017
Book Page	019511/001032
Instrument	40709

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 6, 2047

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

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	$4,193.00 (+1.06%) Homeowner's exemption Veteran's exemption	$279,432 (+2.67%) Building $279,432	$279,432 (+2.67%) Building $279,432
2024	$4,149.00 (-3.02%)
2023	$4,278.00 (+0.09%) Homeowner's exemption	$272,173 (+20.56%)	$272,173 (+20.56%) Building $272,173
2022	$4,274.00	$225,753	$225,753 Building $225,753

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 2 (40% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2019 · rainfall accumulation

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 116 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, T-Mobile, Verizon.

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