Pinellas County property record for 2981 Valencia Ln E, Palm Harbor, FL 34684
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,560 sqft · built 1981 |
| Lot Size | 0.206 acres (8,969 sqft) |
| Owner | Individual Name on File |
| Last Sale | $562,000 (Oct 2022) |
| Tax Bill | $4,773 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Sep 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-758-7907-2 |
| Primary APN | C62-000-758-7907-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,560 sqft Living Area |
| Gross Area | 2,336 sqft |
| 1st Floor Area | 1,560 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Custom Design |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 8,969 sqft (0.206 acres) |
| Lot Dimensions | 115 ft deep x 78 ft wide |
| Garage Type | Attached |
| Garage Area | 524 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 204 sqft |
| Deck Area | 400 sqft |
| Patio Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R72568 |
|---|---|
| Street Address | 2981 VALENCIA LN E |
| City | PALM HARBOR |
| State | FL |
| Zip | 34684-4047 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LAKE VALENCIA UNIT ONE BLK E, LOT R-19 (MAP N08-28-16) |
| Legal Range | 16E |
| Legal Township | 28S |
| Legal Section | 7 |
| Legal Subdivision | LAKE VALENCIA UNIT ONE |
| Legal Tract | 48833 |
| Legal Block | E |
| Legal Lot Number | R-19 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 27317 |
2981 Valencia Ln E is owned and occupied by an individual who bought it in October 2022.
Source: Pinellas County records, as of September 10, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2981 VALENCIA LN E, PALM HARBOR, FL 34684-4047 |
| 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.
| Date | Document |
|---|---|
| Oct 24, 2022 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| Sep 7, 2021 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Sep 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage RAYMOND JAMES BANK NA |
| Nov 19, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 24, 2022 · Amount on File |
| Deed Sale | Oct 24, 2022 · Amount on File |
| Prior Sale | Sep 7, 2021 · Amount on File |
| Deed Document Number | 2022310154 |
| Deed Book / Page | 22240 / 1401 |
| Prior Transfer Date | Jul 27, 2010 |
| Prior Transfer Doc | 0169910303 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Oct 24, 2022 |
| Property Address | 2981 VALENCIA LN E, PALM HARBOR, FL 34684-4047 |
| Document Number | 0222401401 |
| Book / Page | 22240 / 1401 |
| Map Reference | MB 82 PG 92-95 |
| Instrument Date | Oct 13, 2022 |
| Instrument | 2022310154 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,934.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2981 VALENCIA LN E, 2981, PALM HARBOR, FL 34684-4047 |
| Name | Verified Name |
|---|---|
| Address | 1542 ANDOVER DR, DUNEDIN, FL 34698-4616 |
| Document Number | 0222401403 |
|---|---|
| Date | Oct 24, 2022 |
| Instrument | 22240/1403 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Sep 7, 2021 |
| Property Address | 2981 VALENCIA LN E, PALM HARBOR, FL 34684-4047 |
| Document Number | 0217060228 |
| Book / Page | 21706 / 228 |
| Map Reference | MB 82 PG 92-95 |
| Instrument Date | Aug 25, 2021 |
| Instrument | 2021293325 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2021 |
| Title Company | ANCLOTE TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,880.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 98 HIGHLAND RD, 98, TARPON SPRINGS, FL 34689-1919 |
| Name | Verified Name |
|---|---|
| Address | 2981 VALENCIA LN E, PALM HARBOR, FL 34684-4047 |
| Document Number | 21706229 |
|---|---|
| Date | Sep 7, 2021 |
| Instrument | 21706/229 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 2981 VALENCIA LN E, PALM HARBOR, FL 34684-4047 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0207010670 |
|---|---|
| Date | Sep 20, 2019 |
| Book Page | 20701/0670 |
| Instrument | 2019303996 |
| Name | RAYMOND JAMES BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT PETERSBURG, FL 33716 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Nov 19, 2020 |
| Property Address | 2981 VALENCIA LN E, PALM HARBOR, FL 34684-4047 |
| Document Number | 0212631923 |
| Book / Page | 021263 / 001923 |
| Instrument Date | Nov 13, 2020 |
| Instrument | 349520 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,855.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 366 HIGHLAND RD TARPON SPRINGS FL 346891916, TARPON SPRINGS, FL 34689-1916 |
The 2025 property tax bill for 2981 Valencia Ln E was $4,773 with a homeowner's exemption, up 5.7% from the year before.
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 | $4,773.00 (+5.71%) Homeowner's exemption | $296,548 | $441,337 Land $136,224 Building $305,113 |
| 2024 | $4,515.00 (+1.6%) | ||
| 2023 | $4,444.00 (-32.11%) Homeowner's exemption | $279,796 (-20.75%) | $413,573 (+17.14%) Land $193,720 Building $219,853 |
| 2022 | $6,546.00 | $353,050 | $353,050 Land $181,912 Building $171,138 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 2981 Valencia Ln E in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.
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 File median of 22 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 1 (1982) |
| Most Recent Claim | Jun 1982 · rainfall accumulation |
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 risk around 2981 Valencia Ln E is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 404 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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