Pinellas County property record for 2490 Spinaker Ct, Palm Harbor, FL 34683
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,643 sqft · built 1987 |
| Lot Size | 0.142 acres (6,199 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $255,000 (Sep 2007) |
| Tax Bill | $2,137 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2026 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-740-9676-9 |
| Primary APN | C62-000-740-9676-9 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,643 sqft Living Area |
| Gross Area | 2,276 sqft |
| 1st Floor Area | 1,643 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Custom Design |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 6,199 sqft (0.142 acres) |
| Lot Dimensions | 100 ft deep x 62 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 213 sqft |
| Deck Area | 306 sqft |
| Patio Area | 306 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R381780 |
|---|---|
| Street Address | 2490 SPINAKER CT |
| City | PALM HARBOR |
| State | FL |
| Zip | 34683-2617 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | CRYSTAL BEACH ESTATES LOT 24 |
| Legal Range | 15E |
| Legal Township | 27S |
| Legal Section | 35 |
| Legal Subdivision | CRYSTAL BEACH ESTATES |
| Legal Tract | 19870 |
| Legal Lot Number | 24 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 27206 |
2490 Spinaker Ct is owned and occupied by two individuals who bought it in September 2007.
Source: Pinellas County records, as of July 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2490 SPINAKER CT, PALM HARBOR, FL 34683-2617 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 6, 2026 | Deed of Trust, Mortgage PAUL CAPUTO |
| Mar 31, 2026 | Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 20, 2007 · Amount on File |
| Deed Sale | Sep 20, 2007 · Amount on File |
| Prior Sale | Aug 9, 1993 · Amount on File |
| Deed Document Number | 2007309425 |
| Deed Book / Page | 15986 / 394 |
| Prior Transfer Date | Sep 17, 2007 |
| Prior Transfer Doc | 0159860394 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 2490 SPINAKER CT, PALM HARBOR, FL 34683-2617 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2490 SPINAKER CT, PALM HARBOR, FL 34683-2617 |
| Document Number | 0234772065 |
|---|---|
| Date | Mar 6, 2026 |
| Book Page | 23477/2065 |
| Instrument | 2026061708 |
| Name | PAUL CAPUTO |
|---|---|
| Type | Private Party |
| Address | 3490 E LAKE RD, PALM HARBOR, FL 34685 |
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | Mar 11, 2031 |
| Rate | 5% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Mar 31, 2026 |
| Property Address | 2490 SPINAKER CT, PALM HARBOR, FL 34683-2617 |
| Document Number | 0235050981 |
| Book / Page | 23505 / 981 |
| Map Reference | MB 92 PG 42 |
| Instrument Date | Mar 20, 2026 |
| Instrument | 2026085032 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2490 SPINAKER CT, PALM HARBOR, FL 34683-2617 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 45 JAMIE CT, SUFFERN, NY 10901-7016 |
The 2025 property tax bill for 2490 Spinaker Ct was $2,137 with exemptions applied, up 3.9% from the year before.
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,137.00 (+3.94%) Homeowner's exemption Senior Citizen's exemption | $155,829 | $336,244 Land $111,782 Building $224,462 |
| 2024 | $2,056.00 (-0.44%) | ||
| 2023 | $2,065.00 (+3.61%) Homeowner's exemption | $147,026 (+3%) | $321,963 (+14.75%) Land $145,612 Building $176,351 |
| 2022 | $1,993.00 Homeowner's exemption | $142,744 | $280,576 Land $143,565 Building $137,011 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2490 Spinaker Ct in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2004.
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 File median of 52 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 52 in force |
| Nearby Flood Claims | 6 (2004–2024) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| Claims by Event |
|
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.
The area around 2490 Spinaker Ct has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 449 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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