233 45th Ave, Saint Pete Beach, FL 33706 Property Records

Pinellas County property record for 233 45th Ave, Saint Pete Beach, FL 33706

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,964 sqft · built 1957
Lot Size	0.141 acres (6,142 sqft)
Owner	2 Individual Names on Record
Last Sale	$590,000 (Apr 2026)
Tax Bill	$6,352 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Nov 2024 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`C62-000-775-4380-9`

Property Details

APN / Parcel Number

Primary APN	`C62-000-775-4380-9`
Alternative APNs	`07-32-16-51678-004-0110` `321607516780040110` `163207516780040110` `R82435`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	1,964 sqft Living Area
Gross Area	2,928 sqft
1st Floor Area	1,964 sqft
Upper Floors Area	540 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1983
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,142 sqft (0.141 acres)
Lot Dimensions	91 ft deep x 68 ft wide
Garage Type	Attached
Garage Area	338 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	224 sqft
Deck Area	84 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R82435
Street Address	233 45TH AVE
City	ST PETE BEACH
State	FL
Zip	33706-2524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LIDO BEACH 1ST ADD BLK 4, LOT 11
Legal Range	16E
Legal Township	32S
Legal Section	7
Legal Subdivision	LIDO BEACH 1ST ADD
Legal Tract	51678
Legal Block	4
Legal Lot Number	11
Jurisdiction	PINELLAS FL
Township / Civil Division	ST. PETE BEACH
Census Block Group	1
Census Block	1013
Census Tract	28002

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	233 45TH AVE, ST PETE BEACH, FL 33706-2524
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2024	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Nov 15, 2024	Deed of Trust, Mortgage · Commercial Mortgage FREEMODEL INC
Apr 8, 2026	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Apr 8, 2026	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2026 · Amount on Record
Deed Sale	Apr 8, 2026 · Amount on Record
Prior Sale	May 17, 2006
Deed Document Number	202695479
Deed Book / Page	23518 / 948
Transfer Doc	1070001700
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	233 45TH AVE, ST PETE BEACH, FL 33706-2524
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 45TH AVE, ST PETE BEACH, FL 33706-2524

Mortgage

Document Number	0226691799
Date	Jan 4, 2024
Book Page	22669/1799
Instrument	2024002937

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	233 45TH AVE, ST PETE BEACH, FL 33706-2524
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0229752517
Date	Nov 15, 2024
Book Page	22975/2517
Instrument	2024285588

Lender

Name	FREEMODEL INC
Type	Non-Lending Institution
Address	BURLINGAME, CA 94010

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Apr 8, 2026
Property Address	233 45TH AVE, ST PETE BEACH, FL 33706-2524
Document Number	0000095479
Book / Page	23518 / 948
Instrument Date	Mar 30, 2026
Instrument	202695479
Transaction Type	Transfer
Record Updated	Apr 20, 2026
Title Company	TAMPA FAM TITLE, TAMPA BAY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$417,130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 45TH AVE, ST PETE BEACH, FL 33706-2524

Mortgage

Document Number	0000095480,
Date	Apr 8, 2026
Instrument	202695480

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Apr 8, 2026
Property Address	233 45TH AVE, ST PETE BEACH, FL 33706-2524
Document Number	0235180948
Book / Page	23518 / 948
Instrument Date	Mar 30, 2026
Instrument	202695479
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	TAMPA FAM TITLE, TAMPA BAY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$417,130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 45TH AVE, ST PETE BEACH, FL 33706-2524

Mortgage

Document Number	0000095480,
Date	Apr 8, 2026
Instrument	202695480

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Municipality	St. Pete Beach City
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,352.00 (+105.57%)	$389,718 (+75.26%) Land $264,675 Building $125,043	$389,718 (-20.71%) Land $264,675 Building $125,043
2024	$3,090.00 (+1.54%)
2023	$3,043.00 (+2.42%) Homeowner's exemption	$222,365 (+3%)	$491,506 (+10.61%) Land $351,366 Building $140,140
2022	$2,971.00 Homeowner's exemption	$215,888	$444,348 Land $314,607 Building $129,741

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 392 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	431 units insured incl. 39 condo units
Nearby Flood Claims	667 (1979–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Helene, Oct 2024 · 433 claims Tropical Storm Josephine, Oct 1996 · 44 claims Hurricane Elena, Sep 1985 · 93 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

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	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 391 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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