2968 Sutherland Ct, Palm Harbor, FL 34684 Property Records

Pinellas County property record for 2968 Sutherland Ct, Palm Harbor, FL 34684

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,491 sqft · built 1976
Lot Size	0.215 acres (9,361 sqft)
Owner	2 Individual Names on Record
Last Sale	$74,000 (Dec 1996)
Tax Bill	$1,647 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`C62-000-758-3578-5`

Property Details

APN / Parcel Number

Primary APN	`C62-000-758-3578-5`
Alternative APNs	`05-28-16-38893-000-1500` `281605388930001500` `162805388930001500` `R42573`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,491 sqft Living Area
Gross Area	2,121 sqft
1st Floor Area	1,491 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2000
Architectural Style	Custom Design
Exterior Material	Brick/Concrete Block Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,361 sqft (0.215 acres)
Lot Dimensions	120 ft deep x 78 ft wide
Garage Type	Attached
Garage Area	345 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Screened/Unfinished Porch
Porch Area	285 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R42573
Street Address	2968 SUTHERLAND CT
City	PALM HARBOR
State	FL
Zip	34684-2756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	HIGHLAND LAKES UNIT 4 LOT 150
Legal Range	16E
Legal Township	28S
Legal Section	5
Legal Subdivision	HIGHLAND LAKES UNIT 4
Legal Tract	38893
Legal Lot Number	150
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1000
Census Tract	27331

Owner

Source: Pinellas County records, as of October 22, 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	2968 SUTHERLAND CT, PALM HARBOR, FL 34684-2756
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 1996 · Amount on Record
Deed Sale	Dec 27, 1996 · Amount on Record
Deed Book / Page	9565 / 1246
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Recording Date	Oct 5, 2026
Property Address	2968 SUTHERLAND CT, PALM HARBOR, FL 34684-2756
Document Number	0000264145
Book / Page	23713 / 1840
Instrument Date	Sep 25, 2026
Instrument	2026264145
Transaction Type	Mortgage
Record Updated	Oct 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2968 SUTHERLAND CT, PALM HARBOR, FL 34684-2756

Mortgage

Document Number	0000264145,
Date	Oct 5, 2026
Book Page	23713/1840
Instrument	2026264145

Lender

Name	TD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

Tax Assessment & Valuation

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	$1,647.00 (+3.91%)	$128,397 (+5.99%)	$350,145 (+13.77%) Land $105,310 Building $244,835
2023	$1,585.00 (+3.93%) Homeowner's exemption	$121,144 (+3%)	$307,778 (+1.83%) Land $131,574 Building $176,204
2022	$1,525.00 Homeowner's exemption	$117,616	$302,253 Land $163,818 Building $138,435

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 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 463 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