2880 Downing Ct, Palm Harbor, FL 34684 Property Records

Pinellas County property record for 2880 Downing Ct, Palm Harbor, FL 34684

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,398 sqft · built 1985
Lot Size	0.229 acres (9,962 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Dec 2015)
Tax Bill	$3,578 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-759-9300-6`

Property Details

APN / Parcel Number

Primary APN	`C62-000-759-9300-6`
Alternative APNs	`17-28-16-18692-000-0090` `281617186920000090` `162817186920000090` `R178492`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,398 sqft Living Area
Gross Area	2,458 sqft
1st Floor Area	1,398 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1999
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,962 sqft (0.229 acres)
Lot Dimensions	121 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	452 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	608 sqft
Deck Area	220 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R178492
Street Address	2880 DOWNING CT
City	PALM HARBOR
State	FL
Zip	34684-4716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD75
Legal Description	COUNTRYSIDE NORTH TRACT 3B PHASE 2 LOT 9
Legal Range	16E
Legal Township	28S
Legal Section	17
Legal Subdivision	COUNTRYSIDE NORTH
Legal Phase	2
Legal Tract	3B
Legal Lot Number	9
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	2
Census Block	2000
Census Tract	27317

Owner

2880 Downing Ct is owned and occupied by two individuals who bought it in December 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	2880 DOWNING CT, PALM HARBOR, FL 34684-4716
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
Aug 17, 2022	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Dec 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2015 · Amount on File
Deed Sale	Dec 30, 2015 · Amount on File
Prior Sale	Jan 8, 2010 · Amount on File
Deed Document Number	2015377544
Deed Book / Page	19036 / 1330
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	2880 DOWNING CT, PALM HARBOR, FL 34684-4716
Transaction Type	Mortgage
Record Updated	Sep 9, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0221720823
Date	Aug 17, 2022
Book Page	22172/823
Instrument	2022252400

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	2880 DOWNING CT, PALM HARBOR, FL 34684-4716
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RESOURCE RE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0207972090
Date	Dec 5, 2019
Book Page	20797/2090
Instrument	2019389846

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	299 Months
Due	Nov 1, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 2880 Downing Ct was $3,578 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,578.00 Homeowner's exemption	$230,004	$400,747 Land $126,545 Building $274,202
2023	$3,320.00 (+3.11%) Homeowner's exemption	$217,012 (+3%)	$383,229 (+6.39%) Land $172,459 Building $210,770
2022	$3,220.00 Homeowner's exemption	$210,691	$360,220 Land $203,031 Building $157,189

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

Flood

FEMA maps place 2880 Downing Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 44 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	44 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
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 2880 Downing 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.

Drinking Water

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

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 696 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	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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