Pinellas County property record for 2824 Paddock Dr, Palm Harbor, FL 34684
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,636 sqft · built 1981 |
| Lot Size | 0.23 acres (9,997 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $258,000 (Aug 2016) |
| Tax Bill | $169 (2025) |
| Deeds & Mortgages | Nov 2023 Mortgage Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-758-5026-3 |
| Primary APN | C62-000-758-5026-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,636 sqft Living Area |
| Gross Area | 2,394 sqft |
| 1st Floor Area | 1,636 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 9,997 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 392 sqft |
| Deck Area | 650 sqft |
| Patio Area | 650 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R44020 |
|---|---|
| Street Address | 2824 PADDOCK DR |
| City | PALM HARBOR |
| State | FL |
| Zip | 34684-3241 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | RUSTIC OAKS 1ST ADD LOT 91 |
| Legal Range | 16E |
| Legal Township | 28S |
| Legal Section | 5 |
| Legal Subdivision | RUSTIC OAKS 1ST ADD |
| Legal Tract | 77642 |
| Legal Lot Number | 91 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 27331 |
Source: Pinellas County records, as of September 10, 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 | 2824 PADDOCK DR, PALM HARBOR, FL 34684-3241 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 13, 2023 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Oct 25, 2021 | Deed of Trust, Mortgage · VA Mortgage EMM LOANS LLC |
| Jul 3, 2018 | Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Oct 2, 2019 | Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2016 · Amount on Record |
| Deed Sale | Aug 23, 2016 · Amount on Record |
| Deed Document Number | 2016258415 |
| Deed Book / Page | 19313 / 2116 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 2824 PADDOCK DR, PALM HARBOR, FL 34684-3241 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2023 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 2824 PADDOCK DR, PALM HARBOR, FL 34684-3241 |
| Document Number | 0226200370 |
|---|---|
| Date | Nov 13, 2023 |
| Book Page | 22620/370 |
| Instrument | 2023289082 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 2824 PADDOCK DR, PALM HARBOR, FL 34684-3241 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 2824 PADDOCK DR, PALM HARBOR, FL 34684-3241 |
| Document Number | 0217752198 |
|---|---|
| Date | Oct 25, 2021 |
| Book Page | 21775/2198 |
| Instrument | 2021347882 |
| Name | EMM LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHERRY HILL, NJ 08003 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 2824 PADDOCK DR, PALM HARBOR, FL 34684-3241 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TALON TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0201130597 |
|---|---|
| Date | Jul 3, 2018 |
| Book Page | 20113/0597 |
| Instrument | 2018209550 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 2824 PADDOCK DR, PALM HARBOR, FL 34684-3241 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0207170128 |
|---|---|
| Date | Oct 2, 2019 |
| Book Page | 20717/0128 |
| Instrument | 2019317970 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2049 |
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 | $169.00 (-96.35%) Veteran's exemption | $312,672 (+5.99%) | $514,526 (+5.04%) Land $142,182 Building $372,344 |
| 2023 | $4,624.00 (+2.98%) Homeowner's exemption Veteran's exemption | $295,010 (+3%) | $489,846 (+27.41%) Land $175,863 Building $313,983 |
| 2022 | $4,490.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $286,417 | $384,477 Land $166,505 Building $217,972 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 28 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 28 in force |
| Nearby Flood Claims | 2 (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.
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 242 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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