3 Oak Ave, Palm Harbor, FL 34684 Property Records

Pinellas County property record for 3 Oak Ave, Palm Harbor, FL 34684

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,380 sqft · built 1973
Lot Size	0.14 acres (6,077 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Aug 2018)
Tax Bill	$3,944 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`C62-000-757-5342-6`

Property Details

APN / Parcel Number

Primary APN	`C62-000-757-5342-6`
Alternative APNs	`30-27-16-48584-000-0030` `271630485840000030` `162730485840000030` `R322191`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,380 sqft Living Area
Gross Area	2,237 sqft
1st Floor Area	1,380 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1993
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,077 sqft (0.14 acres)
Lot Dimensions	100 ft deep x 61 ft wide
View / Lot	Canal/Waterfront
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	416 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R322191
Street Address	3 OAK AVE
City	PALM HARBOR
State	FL
Zip	34684-1225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LAKE SHORES ESTS 6TH ADD LOT 3
Legal Range	16E
Legal Township	27S
Legal Section	30
Legal Subdivision	LAKE SHORES ESTS 6TH ADD
Legal Tract	48584
Legal Lot Number	3
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	3
Census Block	3014
Census Tract	27204

Owner

Source: Pinellas County records, as of September 10, 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	3 OAK AVE, PALM HARBOR, FL 34684-1225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Aug 22, 2018	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2018 · Amount on Record
Deed Sale	Aug 22, 2018 · Amount on Record
Prior Sale	Dec 1, 2016 · Amount on Record
Deed Document Number	2018269658
Deed Book / Page	20177 / 1792
Last Transfer Date	Mar 24, 2022
Transfer Doc	0220110867
Record Updated	Oct 29, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PINELLAS FL
Recording Date	Apr 8, 2022
Property Address	3 OAK AVE, PALM HARBOR, FL 34684-1225
Document Number	0220110867
Book / Page	22011 / 867
Map Reference	MB 66 PG 74
Instrument Date	Mar 24, 2022
Instrument	2022110625
Transaction Type	Transfer
Record Updated	Apr 29, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 OAK AVE, 3, PALM HARBOR, FL 34684-1225

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 OAK AVE, PALM HARBOR, FL 34684-1225

Mortgage

Document Number	0022011869
Date	Apr 8, 2022
Instrument	22011/869

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Aug 22, 2018
Property Address	3 OAK AVE, PALM HARBOR, FL 34684-1225
Document Number	0201771792
Book / Page	020177 / 001792
Instrument Date	Aug 21, 2018
Instrument	269658
Transaction Type	Transfer
Record Updated	Aug 30, 2018
Title Company	TAMPA TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 OAK AVE PALM HARBOR FL 346841225, PALM HARBOR, FL 34684-1225

Mortgage

Document Number	201771793
Date	Aug 22, 2018
Book Page	020177/001793
Instrument	269659

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2048

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	$3,944.00 (+5.96%) Homeowner's exemption	$251,381 (+5.99%)	$349,136 (+5.93%) Land $146,205 Building $202,931
2024	$3,722.00 (+1.75%)
2023	$3,658.00 (+3.01%) Homeowner's exemption	$237,181 (+3%)	$329,586 (+8.56%) Land $176,136 Building $153,450
2022	$3,551.00 Homeowner's exemption	$230,273	$303,585 Land $177,448 Building $126,137

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 119 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	119 in force
Nearby Flood Claims	9 (1993–2024)
Claims Outside the SFHA	7 of 9
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims Tropical Storm Debby, Jun 2012 · 2 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	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 677 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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