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2870 Cathy Ln, Clearwater, FL 33760 Property Records

Pinellas County property record for 2870 Cathy Ln, Clearwater, FL 33760 · Last verified January 2026

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,117 sqft · built 1980
Lot Size0.144 acres (6,299 sqft)
Owner2 Individual Names on File
Last Sale$211,000 (Jul 2018)
Tax Bill$3,004 (2025)
Deeds & MortgagesJul 2023 Line of Credit
Aug 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNC62-000-763-9887-4

Property Details

APN / Parcel Number

Primary APNC62-000-763-9887-4
Alternative APNs
  • 29-29-16-38601-000-0140
  • 162929386010000140
  • R314780

Interior

Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,117 sqft Heated Area
1st Floor Area1,117 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1995
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeFooting
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area6,299 sqft (0.144 acres)
Lot Dimensions105 ft deep x 60 ft wide
Garage Area252 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchOpen Porch
Porch Area15 sqft
Deck Area192 sqft
Patio Area192 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR314780
Old Parcel Number162929386010000140
Street Address2870 CATHY LN
CityCLEARWATER
StateFL
Zip33760-1401
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHIDDEN COVE LOT 14
Legal Range16
Legal Township29
Legal Section29
Legal SubdivisionHIDDEN COVE
Legal Lot Number14
JurisdictionPINELLAS FL
Township / Civil DivisionCLEARWATER
Census Block Group1
Census Block1012
Census Tract24507

Owner

Source: Pinellas County records · APN C62-000-763-9887-4

Assessment roll updated July 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address2870 CATHY LN, CLEARWATER, FL 33760-1401
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 07, 2023Deed of Trust, Mortgage · Line of Credit
SUNCOAST CU
Aug 05, 2021Deed of Trust, Mortgage · Conventional Mortgage
GUARANTEED RATE INC
Jul 23, 2018Warranty Deed, Transfer · FHA Mortgage
GUARANTEED RATE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 23, 2018 · Amount on Record
Deed SaleJul 23, 2018 · Amount on Record
Prior SaleAug 30, 2004 · Amount on Record
Deed Document Number2018231909
Deed Book / Page20136 / 1288
Record UpdatedJun 08, 2026

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address2870 CATHY LN, CLEARWATER, FL 33760-1401
Transaction TypeMortgage
Record UpdatedJul 20, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address2870 CATHY LN, CLEARWATER, FL 33760-1401

Mortgage

Document Number0224961174
DateJul 07, 2023
Book Page22496/1174
Instrument2023175703
Lender
NameSUNCOAST CU
TypeCredit Union
AddressTAMPA, FL 33680
Agreement
TypeLine of Credit
AmountAmount Recorded
Term216 Months
DueJul 06, 2041
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address2870 CATHY LN, CLEARWATER, FL 33760-1401
Transaction TypeMortgage
Record UpdatedAug 18, 2021
Title CompanyRAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address2870 CATHY LN, CLEARWATER, FL 33760-1401

Mortgage

Document Number0216591817
DateAug 05, 2021
Book Page21659/1817
Instrument2021257359
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2051

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateJul 23, 2018
Property Address2870 CATHY LN, CLEARWATER, FL 33760-1401
Document Number0201361288
Book / Page020136 / 001288
Instrument DateJul 19, 2018
Instrument231909
Transaction TypeTransfer
Record UpdatedAug 07, 2018
Title CompanyCOAST TO COAST TITLE AND ESCROW

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,477.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2870 CATHY LN CLEARWATER FL 337601401, CLEARWATER, FL 33760-1401

Mortgage

Document Number201361290
DateJul 23, 2018
Book Page020136/001290
Instrument231910
Lender
NameGUARANTEED RATE
AddressCHICAGO, IL 60613
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 22, 2048

Tax Assessment & Valuation

Source: Pinellas County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPinellas County
Unified School DistrictPinellas County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,004.00 (+8.29%) Homeowner's exemption$196,120 (+5.99%)$216,465 (-14.47%) Land $54,738 Building $161,727
2023$2,774.00 (+2.82%) Homeowner's exemption$185,042 (+3%)$253,084 (+0.35%) Land $121,794 Building $131,290
2022$2,698.00 Homeowner's exemption$179,652$252,210 Land $150,669 Building $101,541

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Pinellas County (12103C), updated April 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121030245071, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 159 individual NFIP policies nearby
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies427 units insured (268 under condo master policies)
135 of 159 individual policies on primary residences
Nearby Flood Claims33 (1979–2024)
Claims Outside the SFHA11 of 33
Most Recent ClaimOct 2024, other causes, Hurricane Milton
Flood Events
  • Hurricane Milton (Oct 2024), 5 claims
  • Hurricane Helene (Sep 2024), 8 claims
  • Hurricane Erin (Aug 1995), 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

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