2488 Lancaster Dr, Clearwater, FL 33764 Property Records

Pinellas County property record for 2488 Lancaster Dr, Clearwater, FL 33764

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,597 sqft · built 1987
Lot Size	4.48 acres (195,306 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,000,000 (Dec 2021)
Tax Bill	$17,890 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Jan 2023 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`C62-000-764-1048-9`

Property Details

APN / Parcel Number

Primary APN	`C62-000-764-1048-9`
Alternative APNs	`30-29-16-70326-100-2800` `291630703261002800` `162930703261002800` `R326154`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	3,597 sqft Living Area
Gross Area	4,843 sqft
1st Floor Area	2,481 sqft
Upper Floors Area	1,176 sqft
Attic	Attic
Attic Area	200 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1988
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	195,306 sqft (4.48 acres)
Lot Dimensions	310 ft deep x 310 ft wide
View / Lot	Canal/Waterfront
Garage Type	Attached
Garage Area	802 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Deck Area	675 sqft
Patio Area	240 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ
Stable	864 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R326154
Street Address	2488 LANCASTER DR
City	CLEARWATER
State	FL
Zip	33764-6549
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE
Legal Description	PINELLAS GROVES NE 1/4, SEC 30-29-16 LOT 28 LESS RD ON S
Legal Range	16E
Legal Township	29S
Legal Section	30
Legal Subdivision	PINELLAS GROVES
Legal Tract	70326
Legal Lot Number	28
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2003
Census Tract	25414

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	2488 LANCASTER DR, CLEARWATER, FL 33764-6549
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOWER LLC
Jan 12, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Dec 7, 2021	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2021 · Amount on Record
Deed Sale	Dec 7, 2021 · Amount on Record
Prior Sale	Jun 11, 2015 · Amount on Record
Deed Document Number	2021396183
Deed Book / Page	21838 / 1656
Prior Transfer Date	Jun 8, 2015
Prior Transfer Doc	0188121562
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	2488 LANCASTER DR, CLEARWATER, FL 33764-6549
Transaction Type	Mortgage
Record Updated	Apr 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2488 LANCASTER DR, CLEARWATER, FL 33764-6549

Mortgage

Document Number	0234990460
Date	Mar 25, 2026
Book Page	23499/460
Instrument	2026080028

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2046

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	2488 LANCASTER DR, CLEARWATER, FL 33764-6549
Transaction Type	Mortgage
Record Updated	Feb 2, 2023
Title Company	AEG

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2488 LANCASTER DR, CLEARWATER, FL 33764-6549

Mortgage

Document Number	0223141132
Date	Jan 12, 2023
Book Page	22314/1132
Instrument	2023008427

Lender

Name	TRUIST BANK
Type	Bank
Address	28427

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Dec 16, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Dec 7, 2021
Property Address	2488 LANCASTER DR, CLEARWATER, FL 33764-6549
Document Number	0218381656
Book / Page	21838 / 1656
Map Reference	MB 1 PG 55
Instrument Date	Dec 3, 2021
Instrument	2021396183
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1012 COMMODORE ST, 1012, CLEARWATER, FL 33755-1003

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2488 LANCASTER DR, CLEARWATER, FL 33764-6549

Mortgage

Document Number	0218381658
Date	Dec 7, 2021
Instrument	21838/1658

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Municipality	Largo City
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$17,890.00 (+5.27%) Homeowner's exemption	$984,411 (+5.99%)	$1,172,143 (+26.2%) Land $528,637 Building $643,506
2024	$16,994.00 (+1.35%)
2023	$16,767.00 (-4.86%) Homeowner's exemption	$928,804 (-4.09%)	$928,804 (-7.58%) Land $439,986 Building $488,818
2022	$17,623.00 Homeowner's exemption	$968,410	$1,005,025 Land $589,658 Building $415,367

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

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	11.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 60 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	60 in force
Nearby Flood Claims	15 (1979–2024)
Claims Outside the SFHA	9 of 15
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Helene, Sep 2024 · 2 claims Hurricane Elena, Aug 1985 · 2 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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% 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 128 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	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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