2409 Lighthouse Dr, Palm Harbor, FL 34685 Property Records

Pinellas County property record for 2409 Lighthouse Dr, Palm Harbor, FL 34685

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,906 sqft · built 1974
Lot Size	0.203 acres (8,851 sqft)
Owner	2 Individual Names on File
Last Sale	$455,000 (Dec 2023)
Tax Bill	$3,860 (2025)
Deeds & Mortgages	Dec 2023 Sale Jun 2023 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-757-9198-8`

Property Details

APN / Parcel Number

Primary APN	`C62-000-757-9198-8`
Alternative APNs	`33-27-16-00946-006-0040` `271633009460060040` `162733009460060040` `R361230`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,906 sqft Living Area
Gross Area	2,827 sqft
1st Floor Area	1,906 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1996
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,851 sqft (0.203 acres)
Lot Dimensions	90 ft deep x 104 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	321 sqft
Deck Area	270 sqft
Patio Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R361230
Street Address	2409 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 4
Legal Range	16E
Legal Township	27S
Legal Section	33
Legal Subdivision	ANCHORAGE OF TARPON LAKE
Legal Tract	946
Legal Block	6
Legal Lot Number	4
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1017
Census Tract	27329

Owner

2409 Lighthouse Dr is owned and occupied by two individuals who bought it in December 2023.

Source: Pinellas County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2409 LIGHTHOUSE DR, PALM HARBOR, FL 34685-1630
Occupancy	Owner Occupied
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
Dec 11, 2023	Warranty Deed, Transfer CAPSTONE TITLE LLC
Jun 14, 2023	Warranty Deed, Transfer · Line of Credit BLUEBERRY CAPITAL LLC
Jul 20, 2017	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Jul 29, 2019	Warranty Deed, Transfer SUNBELT TITLE (AGENCY)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2023 · Amount on File
Deed Sale	Dec 11, 2023 · Amount on File
Prior Sale	Jun 14, 2023 · Amount on File
Deed Document Number	2023313232
Deed Book / Page	22647 / 2278
Transfer Doc	1016002350
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Dec 11, 2023
Property Address	2409 LIGHTHOUSE DR, PALM HARBOR, FL 34685-1630
Document Number	0226472278
Book / Page	22647 / 2278
Map Reference	MB 70 PG 27&28
Instrument Date	Dec 7, 2023
Instrument	2023313232
Transaction Type	Transfer
Record Updated	Dec 25, 2023
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$3,185.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17338 OLD TOBACCO RD, LUTZ, FL 33558-4955

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2409 LIGHTHOUSE DR, PALM HARBOR, FL 34685-1630

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jun 14, 2023
Property Address	2409 LIGHTHOUSE DR, PALM HARBOR, FL 34685-1630
Document Number	0224732485
Book / Page	22473 / 2485
Map Reference	MB 70 PG 27&28
Instrument Date	Jun 7, 2023
Instrument	2023155388
Transaction Type	Transfer
Record Updated	Jun 26, 2023
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	63411 STACY LN, BEND, OR 97701-8512

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17338 OLD TOBACCO RD, LUTZ, FL 33558-4955

Mortgage

Document Number	0224732488
Date	Jun 14, 2023
Instrument	22473/2488

Lender

Name	BLUEBERRY CAPITAL LLC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	2409 LIGHTHOUSE DR, PALM HARBOR, FL 34685-1630
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0197110910
Date	Jul 20, 2017
Book Page	19711/0910
Instrument	2017225586

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jul 29, 2019
Property Address	2409 LIGHTHOUSE DR, PALM HARBOR, FL 34685-1630
Document Number	0206311359
Book / Page	020631 / 001359
Instrument Date	Jul 22, 2019
Instrument	238446
Transaction Type	Transfer
Record Updated	Aug 9, 2019
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount on Record
Tax	$1,981.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4916 CHOWAN AVE ALEXANDRIA VA 223121817, ALEXANDRIA, VA 22312-1817

Tax Assessment & Valuation

The 2025 property tax bill for 2409 Lighthouse Dr was $3,860 with a homeowner's exemption.

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	$3,860.00 Homeowner's exemption	$245,477	$404,406 Land $105,592 Building $298,814
2023	$3,754.00 (-0.42%) Homeowner's exemption Widower's exemption	$246,247 (+3%)	$332,237 (+15.83%) Land $128,526 Building $203,711
2022	$3,770.00 Homeowner's exemption	$239,075	$286,836 Land $118,365 Building $168,471

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

Flood

FEMA maps place 2409 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 2409 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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