Pinellas County property record for 2545 Spinaker Ct, Palm Harbor, FL 34683
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,414 sqft · built 1988 |
| Lot Size | 0.152 acres (6,660 sqft) |
| Owner | Owner Name on File |
| Last Sale | $112,500 (Aug 1999) |
| Tax Bill | $1,963 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-740-9682-7 |
| Primary APN | C62-000-740-9682-7 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,414 sqft Heated Area |
| 1st Floor Area | 1,414 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,660 sqft (0.152 acres) |
| Lot Dimensions | 93 ft deep x 72 ft wide |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 68 sqft |
| Deck Area | 100 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R381786 |
|---|---|
| Old Parcel Number | 152735198700000300 |
| Street Address | 2545 SPINAKER CT |
| City | PALM HARBOR |
| State | FL |
| Zip | 34683-2610 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CRYSTAL BEACH ESTATES LOT 30 |
| Legal Range | 15 |
| Legal Township | 27 |
| Legal Section | 35 |
| Legal Subdivision | CRYSTAL BEACH ESTATES |
| Legal Lot Number | 30 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 27206 |
The current owner of 2545 Spinaker Ct bought it in August 1999.
Source: Pinellas County records, as of December 26, 2025
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 2545 SPINAKER CT, PALM HARBOR, FL 34683-2610 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 26, 1999 · Amount on File |
| Deed Sale | Aug 26, 1999 · Amount on File |
| Deed Document Number | 0106381863 |
| Deed Book / Page | 10638 / 1863 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 2545 SPINAKER CT, PALM HARBOR, FL 34683-2610 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2545 SPINAKER CT, PALM HARBOR, FL 34683-2610 |
| Document Number | 0218900615 |
|---|---|
| Date | Jan 12, 2022 |
| Book Page | 21890/615 |
| Instrument | 2022013342 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
The 2025 property tax bill for 2545 Spinaker Ct was $1,963 with exemptions applied.
Source: Pinellas County assessment roll, as of July 1, 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 | $1,963.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption | $151,171 | $317,536 Land $121,731 Building $195,805 |
| 2023 | $1,844.00 (-0.59%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption | $142,632 (+3%) | $312,191 (+14.61%) Land $159,311 Building $152,880 |
| 2022 | $1,855.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption | $138,478 | $272,401 Land $154,665 Building $117,736 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2545 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 2545 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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