2145 Summit Way, Palm Harbor, FL 34684 Property Records

Pinellas County property record for 2145 Summit Way, Palm Harbor, FL 34684

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,943 sqft · built 1989
Lot Size	0.419 acres (18,252 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Jun 2015)
Tax Bill	$9,691 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-757-8659-0`

Property Details

APN / Parcel Number

Primary APN	`C62-000-757-8659-0`
Alternative APNs	`32-27-16-71809-000-0810` `271632718090000810` `162732718090000810` `R352522`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,943 sqft Living Area
Gross Area	3,985 sqft
1st Floor Area	2,943 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2001
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	18,252 sqft (0.419 acres)
Lot Dimensions	131 ft deep x 148 ft wide
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	513 sqft
Deck Area	200 sqft
Patio Area	200 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R352522
Street Address	2145 SUMMIT WAY
City	PALM HARBOR
State	FL
Zip	34684-1773
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD75
Legal Description	PINNACLE AT COBBS LANDING LOT 81
Legal Range	16E
Legal Township	27S
Legal Section	32
Legal Subdivision	PINNACLE AT COBBS LANDING
Legal Tract	71809
Legal Lot Number	81
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	2
Census Block	2011
Census Tract	27314

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2145 SUMMIT WAY, PALM HARBOR, FL 34684-1773
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2015 · Amount on Record
Deed Sale	Jun 29, 2015 · Amount on Record
Prior Sale	Apr 16, 2008 · Amount on Record
Deed Document Number	2015182170
Deed Book / Page	18830 / 2675
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	2145 SUMMIT WAY, PALM HARBOR, FL 34684-1773
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2145 SUMMIT WAY, PALM HARBOR, FL 34684-1773

Mortgage

Document Number	0213292203
Date	Jan 5, 2021
Book Page	21329/2203
Instrument	2021002849

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

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

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	$9,691.00 (+7.02%) Homeowner's exemption	$563,358 (+5.99%)	$798,703 (+27%) Land $201,381 Building $597,322
2023	$9,055.00 (+2.68%) Homeowner's exemption	$531,535 (+3%)	$628,906 (-6.59%) Land $211,484 Building $417,422
2022	$8,819.00 Homeowner's exemption	$516,053	$673,278 Land $320,127 Building $353,151

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 91 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	91 in force
Nearby Flood Claims	8 (2009–2024)
Claims Outside the SFHA	8 of 8
Most Recent Claim	Oct 2024 · Hurricane Milton

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 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 213 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