2736 Challenger Dr, Palm Harbor, FL 34683 Property Records

Pinellas County property record for 2736 Challenger Dr, Palm Harbor, FL 34683

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,671 sqft · built 1989
Lot Size	0.239 acres (10,424 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (May 2019)
Tax Bill	$9,997 (2025)
Deeds & Mortgages	Feb 2017 Line of Credit May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-742-0901-6`

Property Details

APN / Parcel Number

Primary APN	`C62-000-742-0901-6`
Alternative APNs	`14-28-15-95070-000-0990` `281514950700000990` `152814950700000990` `R148867`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,671 sqft Living Area
Gross Area	3,722 sqft
1st Floor Area	1,590 sqft
Upper Floors Area	1,081 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1998
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	10,424 sqft (0.239 acres)
Lot Dimensions	130 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	531 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	558 sqft
Deck Area	200 sqft
Patio Area	200 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R148867
Street Address	2736 CHALLENGER DR
City	PALM HARBOR
State	FL
Zip	34683-7200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERFORD CROSSING PHASE I LOT 99
Legal Range	15E
Legal Township	28S
Legal Section	14
Legal Subdivision	WATERFORD CROSSING
Legal Phase	1
Legal Tract	95070
Legal Lot Number	99
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	4
Census Block	4006
Census Tract	27210

Owner

2736 Challenger Dr is owned and occupied by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	2736 CHALLENGER DR, PALM HARBOR, FL 34683-7200
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
Feb 14, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
May 1, 2019	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2019 · Amount on File
Deed Sale	May 1, 2019 · Amount on File
Prior Sale	Jul 7, 1998 · Amount on File
Deed Document Number	2019137046
Deed Book / Page	20522 / 1039
Prior Transfer Date	Mar 6, 2009
Prior Transfer Doc	0165521581
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	2736 CHALLENGER DR, PALM HARBOR, FL 34683-7200
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0195191096
Date	Feb 14, 2017
Book Page	19519/1096
Instrument	2017048710

Lender

Name	PNC BANK NA
Type	Bank
Address	PALM HARBOR, FL 34684

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Feb 6, 2057

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	May 1, 2019
Property Address	2736 CHALLENGER DR, PALM HARBOR, FL 34683-7200
Document Number	0205221039
Book / Page	20522 / 1039
Map Reference	MB 100 PG 95-100
Instrument Date	Apr 11, 2019
Instrument	2019137046
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,905.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12902 BUCKHORN DR, 12902, HUDSON, FL 34669-2758

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2736 CHALLENGER DR, PALM HARBOR, FL 34683-7200

Mortgage

Document Number	2019137047
Date	May 1, 2019
Instrument	2019137047

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2736 Challenger Dr was $9,997 with a homeowner's exemption, up 5.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,997.00 (+5.54%) Homeowner's exemption	$609,532	$638,222 Land $136,408 Building $501,814
2024	$9,472.00 (+4.85%)
2023	$9,034.00 (+10.85%)	$575,435 (+14.26%)	$575,435 (+14.26%) Land $186,024 Building $389,411
2022	$8,150.00	$503,605	$503,605 Land $205,428 Building $298,177

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

Flood

FEMA maps place 2736 Challenger Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2019.

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 46 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	46 in force
Nearby Flood Claims	2 (2019–2024)
Claims Outside the SFHA	2 of 2
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

The area around 2736 Challenger Dr 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DUNEDIN WATER SYSTEM serves 46,161 people · EPA ID FL6520486
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2023) 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	32 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 319 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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