2892 Turtle Ter, Palm Harbor, FL 34683 Property Records

Pinellas County property record for 2892 Turtle Ter, Palm Harbor, FL 34683

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,005 sqft · built 2001
Lot Size	0.25 acres (10,899 sqft)
Owner	Individual Name on Record
Last Sale	$466,800 (Jun 2017)
Tax Bill	$7,884 (2025)
Deeds & Mortgages	May 2024 Transfer Mar 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-741-9391-3`

Property Details

APN / Parcel Number

Primary APN	`C62-000-741-9391-3`
Alternative APNs	`14-28-15-18628-000-0450` `281514186280000450` `152814186280000450` `R147356`

Interior

Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	3,005 sqft Living Area
Gross Area	4,058 sqft
1st Floor Area	3,005 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2003
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,899 sqft (0.25 acres)
Lot Dimensions	121 ft deep x 89 ft wide
Garage Type	Attached
Garage Area	757 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	296 sqft
Deck Area	170 sqft
Patio Area	170 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R147356
Street Address	2892 TURTLE TER
City	PALM HARBOR
State	FL
Zip	34683-6442
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY WOODS LOT 45
Legal Range	15E
Legal Township	28S
Legal Section	14
Legal Subdivision	COUNTRY WOODS
Legal Tract	18628
Legal Lot Number	45
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	3
Census Block	3007
Census Tract	27210

Owner

Source: Pinellas County records, as of December 2, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	2892 TURTLE TER, PALM HARBOR, FL 34683-6442
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
May 9, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Mar 18, 2024	Deed of Trust, Mortgage · Line of Credit CADENCE BANK NA
Dec 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHICAGO MORTGAGE SOLUTIONS CORP
Jun 30, 2017	Warranty Deed, Transfer · Conventional Mortgage INNOVATION MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2017 · Amount on Record
Deed Sale	Jun 30, 2017 · Amount on Record
Prior Sale	Apr 1, 2014 · Amount on Record
Deed Document Number	2017205152
Deed Book / Page	19688 / 1229
Last Transfer Date	Apr 26, 2024
Transfer Doc	0227941345
Record Updated	Jun 8, 2026

May 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PINELLAS FL
Recording Date	May 9, 2024
Property Address	2892 TURTLE TER, PALM HARBOR, FL 34683-6442
Document Number	0227941345
Book / Page	22794 / 1345
Map Reference	MB 92 PG 32-35
Instrument Date	Apr 26, 2024
Instrument	2024118881
Transaction Type	Transfer
Record Updated	May 21, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2892 TURTLE TER, PALM HARBOR, FL 34683-6442

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2892 TURTLE TER, PALM HARBOR, FL 34683-6442

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	2892 TURTLE TER, PALM HARBOR, FL 34683-6442
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2892 TURTLE TER, PALM HARBOR, FL 34683-6442

Mortgage

Document Number	0227370265
Date	Mar 18, 2024
Book Page	22737/265
Instrument	2024067412

Lender

Name	CADENCE BANK NA
Type	Bank
Address	NEW PORT RICHEY, FL 34655

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 26, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	2892 TURTLE TER, PALM HARBOR, FL 34683-6442
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2892 TURTLE TER, PALM HARBOR, FL 34683-6442

Mortgage

Document Number	0213230499
Date	Dec 31, 2020
Book Page	21323/499
Instrument	2020393081

Lender

Name	CHICAGO MORTGAGE SOLUTIONS CORP
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jun 30, 2017
Property Address	2892 TURTLE TER, PALM HARBOR, FL 34683-6442
Document Number	0196881229
Book / Page	19688 / 1229
Map Reference	MB92 PG32-35
Instrument Date	Jun 29, 2017
Instrument	2017205152
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	COMPASS LAND & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,267.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2892 TURTLE TER, 2892, PALM HARBOR, FL 34683-6442

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1552 CANOPY OAKS BLVD, PALM HARBOR, FL 34683-6160

Mortgage

Document Number	2017205153
Date	Jun 30, 2017
Instrument	2017205153

Lender

Name	INNOVATION MORTGAGE SERVICES INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

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	$7,884.00 (+5.6%) Homeowner's exemption	$489,491 (+5.99%)	$783,459 (+11.13%) Land $140,660 Building $642,799
2024	$7,466.00 (+1.36%)
2023	$7,366.00 (+2.63%) Homeowner's exemption	$461,841 (+3%)	$704,988 (+16.15%) Land $210,685 Building $494,303
2022	$7,177.00 Homeowner's exemption	$448,389	$606,954 Land $223,281 Building $383,673

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

Flood

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 106 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	106 in force
Nearby Flood Claims	27 (2020–2024)
Claims Outside the SFHA	5 of 27
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims Hurricane Helene, Sep 2024 · 23 claims

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

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 815 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
Starlink Satellite	280 / 30

May also be available: Frontier, T-Mobile, Verizon.

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