2432 Lighthouse Dr, Palm Harbor, FL 34685 Property Records

Pinellas County property record for 2432 Lighthouse Dr, Palm Harbor, FL 34685

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,636 sqft · built 1974
Lot Size	0.173 acres (7,549 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Jan 2021)
Tax Bill	$4,684 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Aug 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`C62-000-757-9197-0`

Property Details

APN / Parcel Number

Primary APN	`C62-000-757-9197-0`
Alternative APNs	`33-27-16-00946-006-0030` `271633009460060030` `162733009460060030` `R361229`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,636 sqft Living Area
Gross Area	2,068 sqft
1st Floor Area	1,636 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1994
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	7,549 sqft (0.173 acres)
Lot Dimensions	90 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Patio
Porch Area	144 sqft
Deck Area	230 sqft
Patio Area	230 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R361229
Street Address	2432 LIGHTHOUSE DR
City	PALM HARBOR
State	FL
Zip	34685-1629
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 3
Legal Range	16E
Legal Township	27S
Legal Section	33
Legal Subdivision	ANCHORAGE OF TARPON LAKE
Legal Tract	946
Legal Block	6
Legal Lot Number	3
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1017
Census Tract	27329

Owner

2432 Lighthouse Dr is owned and occupied by two individuals who bought it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2432 LIGHTHOUSE DR, PALM HARBOR, FL 34685-1629
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 28, 2021	Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Aug 14, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2021 · Amount on File
Deed Sale	Jan 28, 2021 · Amount on File
Prior Sale	Dec 9, 2002 · Amount on File
Deed Document Number	202128935
Deed Book / Page	21363 / 1521
Prior Transfer Date	Aug 12, 2020
Prior Transfer Doc	0211230718
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jan 28, 2021
Property Address	2432 LIGHTHOUSE DR, PALM HARBOR, FL 34685-1629
Document Number	0213631521
Book / Page	21363 / 1521
Map Reference	MB 70 PG 27&28
Instrument Date	Jan 26, 2021
Instrument	2021028935
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	TALON TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8801 LINDBERGH BLVD, 8801, OLMSTED FALLS, OH 44138-2305

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2432 LIGHTHOUSE DR, PALM HARBOR, FL 34685-1629

Mortgage

Document Number	0213631524
Date	Jan 28, 2021
Instrument	21363/1524

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

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

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINELLAS FL
Recording Date	Aug 14, 2020
Property Address	2432 LIGHTHOUSE DR, PALM HARBOR, FL 34685-1629
Document Number	0211230718
Book / Page	021123 / 000718
Instrument Date	Aug 12, 2020
Instrument	243198
Transaction Type	Transfer
Record Updated	Sep 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	8801 LINDBERGH BLVD OLMSTED FALLS OH 441382305, OLMSTED FALLS, OH 44138-2305

Tax Assessment & Valuation

The 2025 property tax bill for 2432 Lighthouse Dr was $4,684 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	$4,684.00 Homeowner's exemption	$291,112	$318,867 Land $96,854 Building $222,013
2023	$4,354.00 (-2.16%) Homeowner's exemption	$274,668 (+16.88%)	$274,668 (+16.88%) Land $114,927 Building $159,741
2022	$4,450.00	$234,998	$234,998 Land $104,385 Building $130,613

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

Flood

FEMA maps place 2432 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 2432 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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