2342 Pine Tree Ter, Palm Harbor, FL 34683 Property Records

Pinellas County property record for 2342 Pine Tree Ter, Palm Harbor, FL 34683

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,488 sqft · built 1978
Lot Size	1.83 acres (79,702 sqft)
Owner	2 Individual Names on Record
Last Sale	$925,000 (Apr 2024)
Tax Bill	$18,572 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-760-1196-4`

Property Details

APN / Parcel Number

Primary APN	`C62-000-760-1196-4`
Alternative APNs	`18-28-16-71732-000-0030` `281618717320000030` `162818717320000030` `R188886`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	3,488 sqft Living Area
Gross Area	4,851 sqft
1st Floor Area	3,488 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1998
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	79,702 sqft (1.83 acres)
Lot Dimensions	270 ft deep x 150 ft wide
View / Lot	Pond
Garage Type	Attached
Garage Area	770 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	593 sqft
Deck Area	600 sqft
Patio Area	600 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R188886
Street Address	2342 PINE TREE TER
City	PALM HARBOR
State	FL
Zip	34683-6720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	PINE TREE SUB LOT 3
Legal Range	16E
Legal Township	28S
Legal Section	18
Legal Subdivision	PINE TREE SUB
Legal Tract	71732
Legal Block	2
Legal Lot Number	3
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	2
Census Block	2002
Census Tract	27208

Owner

Source: Pinellas County records, as of September 17, 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	2342 PINE TREE TER, PALM HARBOR, FL 34683-6720
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2024	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Oct 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2024 · Amount on Record
Deed Sale	Apr 12, 2024 · Amount on Record
Prior Sale	Nov 26, 2003 · Amount on Record
Deed Document Number	202493208
Deed Book / Page	22765 / 1927
Prior Transfer Date	Aug 5, 2003
Prior Transfer Doc	0000330613
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Apr 12, 2024
Property Address	2342 PINE TREE TER, PALM HARBOR, FL 34683-6720
Document Number	0227651927
Book / Page	22765 / 1927
Map Reference	MB 65 PG 67
Instrument Date	Mar 10, 2024
Instrument	2024093208
Transaction Type	Transfer
Record Updated	Dec 29, 2025
Title Company	SECURITY TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$647.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2342 PINE TREE TER, PALM HARBOR, FL 34683-6720

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2342 PINE TREE TER, PALM HARBOR, FL 34683-6720

Mortgage

Document Number	0227651929
Date	Apr 12, 2024
Instrument	22765/1929

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	2342 PINE TREE TER, PALM HARBOR, FL 34683-6720
Document Number	0210501491
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Jul 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2342 PINE TREE TER PALM HARBOR FL 346836720, PALM HARBOR, FL 34683-6720

Mortgage

Document Number	0210501491
Date	Jun 23, 2020
Book Page	021050/001491
Instrument	188751

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 22, 2035

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	2342 PINE TREE TER, PALM HARBOR, FL 34683-6720
Document Number	0198132075
Book / Page	019813 / 002075
Instrument Date	Oct 13, 2017
Transaction Type	Mortgage
Record Updated	Nov 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2342 PINE TREE TER PALM HARBOR FL 346836720, PALM HARBOR, FL 34683-6720

Mortgage

Document Number	0198132075
Date	Oct 23, 2017
Book Page	019813/002075
Instrument	321512

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 22, 2032

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	$18,572.00 (+131.43%)	$1,011,738 (+114.06%) Land $372,218 Building $639,520	$1,011,738 (+12.56%) Land $372,218 Building $639,520
2023	$8,025.00 (+2.66%) Homeowner's exemption	$472,644 (+3%)	$898,882 (+15.86%) Land $361,033 Building $537,849
2022	$7,817.00 Homeowner's exemption	$458,878	$775,830 Land $354,441 Building $421,389

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 60 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	60 in force
Nearby Flood Claims	22 (1979–2024)
Claims Outside the SFHA	19 of 22
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 99.8% of the US · lower than 99.7% 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 207 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 · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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