2405 Lighthouse Dr, Palm Harbor, FL 34685 Property Records

Pinellas County property record for 2405 Lighthouse Dr, Palm Harbor, FL 34685

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 991 sqft · built 1974
Lot Size	0.132 acres (5,759 sqft)
Owner	Individual Name on File
Last Sale	$311,500 (Dec 2024)
Tax Bill	$3,976 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-757-9199-6`

Property Details

APN / Parcel Number

Primary APN	`C62-000-757-9199-6`
Alternative APNs	`33-27-16-00946-006-0050` `271633009460060050` `162733009460060050` `R361231`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	991 sqft Living Area
Gross Area	1,615 sqft
1st Floor Area	991 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,759 sqft (0.132 acres)
Lot Dimensions	90 ft deep x 64 ft wide
Garage Type	Attached
Garage Area	324 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Patio
Porch Area	300 sqft
Deck Area	Deck Area
Patio Area	77 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R361231
Street Address	2405 LIGHTHOUSE DR
City	PALM HARBOR
State	FL
Zip	34685-1630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD5
Legal Description	ANCHORAGE OF TARPON LAKE UNIT TWO, THE BLK 6, LOT 5
Legal Range	16E
Legal Township	27S
Legal Section	33
Legal Subdivision	ANCHORAGE OF TARPON LAKE
Legal Tract	946
Legal Block	6
Legal Lot Number	5
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1017
Census Tract	27329

Owner

2405 Lighthouse Dr is owned and occupied by an individual who bought it in December 2024.

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

Owner of Record	Individual Name on File
Mailing Address	2405 LIGHTHOUSE DR, PALM HARBOR, FL 34685-1630
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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
Dec 2, 2021	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Aug 5, 2020	Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2024 · Amount on File
Deed Sale	Dec 16, 2024 · Amount on File
Prior Sale	Aug 5, 2020 · Amount on File
Deed Document Number	2024315172
Deed Book / Page	23004 / 1258
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	2405 LIGHTHOUSE DR, PALM HARBOR, FL 34685-1630
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0218301477
Date	Dec 2, 2021
Book Page	21830/1477
Instrument	2021389538

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 12, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Aug 5, 2020
Property Address	2405 LIGHTHOUSE DR, PALM HARBOR, FL 34685-1630
Document Number	0211092629
Book / Page	21109 / 2629
Map Reference	MB 70 PG 27&28
Instrument Date	Jul 14, 2020
Instrument	2020232871
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1422 WOODSTREAM DR, 1422, OLDSMAR, FL 34677-4863

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2405 LIGHTHOUSE DR, PALM HARBOR, FL 34685-1630

Mortgage

Document Number	0211092630
Date	Aug 5, 2020
Instrument	21109/2630

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2405 Lighthouse Dr was $3,976.

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	$3,976.00	$251,908 Land $76,120 Building $175,788	$251,908 Land $76,120 Building $175,788
2023	$2,336.00 (+1.74%) Homeowner's exemption	$162,192 (+3%)	$205,661 (+7.47%) Land $87,055 Building $118,606
2022	$2,296.00 Homeowner's exemption	$157,468	$191,358 Land $86,102 Building $105,256

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

Flood

FEMA maps place 2405 Lighthouse Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 135 individual policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	159 units insured incl. 24 condo units
Nearby Flood Claims	5 (2011–2024)
Claims Outside the SFHA	4 of 5
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

Wildfire risk around 2405 Lighthouse Dr is low, with 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	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 131 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 · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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