209 Westwinds Dr, Palm Harbor, FL 34683 Property Records

Pinellas County property record for 209 Westwinds Dr, Palm Harbor, FL 34683

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,787 sqft · built 1961
Lot Size	0.199 acres (8,677 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Jul 2026)
Tax Bill	$4,897 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Dec 2021 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`C62-000-740-5534-4`

Property Details

APN / Parcel Number

Primary APN	`C62-000-740-5534-4`
Alternative APNs	`23-27-15-05814-000-1840` `271523058140001840` `152723058140001840` `R244165`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,787 sqft Living Area
Gross Area	2,171 sqft
1st Floor Area	1,787 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1993
Architectural Style	H-Shape
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Tar & Gravel
Lot Area	8,677 sqft (0.199 acres)
Lot Dimensions	124 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	100 sqft
Patio Area	228 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R244165
Street Address	209 WESTWINDS DR
City	PALM HARBOR
State	FL
Zip	34683-1039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	BAYWOOD VILLAGE LOT 184
Legal Range	15E
Legal Township	27S
Legal Section	23
Legal Subdivision	BAYWOOD VILLAGE
Legal Tract	5814
Legal Lot Number	184
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	3
Census Block	3028
Census Tract	27202

Owner

209 Westwinds Dr is owned by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	914 SAGINAW CT, CAROL STREAM, IL 60188-1339
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 17, 2026	Warranty Deed, Transfer · Conventional Mortgage USAA FSB
Dec 28, 2021	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
Jul 12, 2021	Warranty Deed, Transfer TEXAS TITLE SOLUTIONS, TOTAL TITLE SOLUTIONS LLC
Feb 10, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2026 · Amount on File
Deed Sale	Jul 17, 2026 · Amount on File
Prior Sale	Jul 12, 2021 · Amount on File
Deed Document Number	2026191958
Deed Book / Page	23631 / 1473
Prior Transfer Date	Dec 21, 2021
Prior Transfer Doc	0218662130
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jul 17, 2026
Property Address	209 WESTWINDS DR, PALM HARBOR, FL 34683-1039
Document Number	0000191958
Book / Page	23631 / 1473
Instrument Date	Jun 23, 2026
Instrument	2026191958
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	TITLE US LLC, TITLE USA, LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$318,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	914 SAGINAW CT, CAROL STREAM, IL 60188-1339

Mortgage

Document Number	0000191959,
Date	Jul 17, 2026
Instrument	2026191959

Lender

Name	USAA FSB

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINELLAS FL
Recording Date	Dec 28, 2021
Property Address	209 WESTWINDS DR, PALM HARBOR, FL 34683-1039
Document Number	0218662130
Book / Page	21866 / 2130
Map Reference	MB 47 PG 4-7
Instrument Date	Dec 21, 2021
Instrument	2021418101
Transaction Type	Transfer
Record Updated	Jan 13, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	209 WESTWINDS DR, PALM HARBOR, FL 34683-1039

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jul 12, 2021
Property Address	209 WESTWINDS DR, PALM HARBOR, FL 34683-1039
Document Number	0216202601
Book / Page	21620 / 2601
Map Reference	MB 47 PG 4-7
Instrument Date	Jul 6, 2021
Instrument	2021227129
Transaction Type	Transfer
Record Updated	Jul 23, 2021
Title Company	TEXAS TITLE SOLUTIONS, TOTAL TITLE SOLUTIONS LLC

Transaction

Amount	Amount on Record
Tax	$2,309.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	630 TIMBER LN, 630, TARPON SPNGS, FL 34689-3889

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 WESTWINDS DR, PALM HARBOR, FL 34683-1039

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Feb 10, 2017
Property Address	209 WESTWINDS DR, PALM HARBOR, FL 34683-1039
Document Number	0195170068
Book / Page	019517 / 000068
Instrument Date	Feb 1, 2017
Instrument	46243
Transaction Type	Transfer
Record Updated	May 8, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,470.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 TIMBER LN TARPON SPRINGS FL 346893889, TARPON SPRINGS, FL 34689-3889

Tax Assessment & Valuation

The 2025 property tax bill for 209 Westwinds Dr was $4,897, up 5.8% from the year before.

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	$4,897.00 (+5.79%)	$304,513	$385,631 Land $129,647 Building $255,984
2024	$4,629.00 (+1.6%)
2023	$4,556.00 (+21.14%) Homeowner's exemption	$287,312 (+18.67%)	$327,887 (+20.55%) Land $139,900 Building $187,987
2022	$3,761.00 Homeowner's exemption	$242,120	$271,996 Land $150,479 Building $121,517

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

Flood

FEMA maps place 209 Westwinds Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 446 individual policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	540 units insured incl. 94 condo units
Nearby Flood Claims	399 (1985–2024)
Claims Outside the SFHA	3 of 399
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 6 claims Hurricane Helene, Sep 2024 · 248 claims Hurricane Idalia, Aug 2023 · 7 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 209 Westwinds Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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	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 360 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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