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3040 Spring Oak Ave, Palm Harbor, FL 34684 Property Records

Pinellas County property record for 3040 Spring Oak Ave, Palm Harbor, FL 34684

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,971 sqft · built 1990
Lot Size0.177 acres (7,701 sqft)
Owner2 Individual Names on File
Last Sale$465,000 (Jan 2022)
Tax Bill$7,234 (2025)
Deeds & MortgagesSep 2020 Line of Credit
Jan 2022 Sale & Mortgage
+ 7 more
Flood ZoneZone X (minimal risk)
APNC62-000-757-8341-5

Property Details

APN / Parcel Number

Primary APNC62-000-757-8341-5
Alternative APNs
  • 32-27-16-33988-000-0520
  • 271632339880000520
  • R352204

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures7 Plumbing Fixtures
Stories1 Story
Building Area1,971 sqft Living Area
Gross Area2,696 sqft
1st Floor Area1,971 sqft
FlooringCarpet
Interior WallsComposition
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1998
Architectural StyleCustom Design
Exterior MaterialBrick/Concrete Block Stucco
Construction TypeMasonry / Concrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialOther
Lot Area7,701 sqft (0.177 acres)
Lot Dimensions110 ft deep x 70 ft wide
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area285 sqft
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR352204
Street Address3040 SPRING OAK AVE
CityPALM HARBOR
StateFL
Zip34684-1658
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR3
Legal DescriptionGROVES AT COBBS LANDING, THE LOT 52
Legal Range16E
Legal Township27S
Legal Section32
Legal SubdivisionGROVES AT COBBS LANDING,
Legal Tract33988
Legal Lot Number52
JurisdictionPINELLAS FL
Township / Civil DivisionTARPON SPRINGS
Census Block Group1
Census Block1013
Census Tract27204

Owner

Source: Pinellas County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address3040 SPRING OAK AVE, PALM HARBOR, FL 34684-1658
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 4, 2020Deed of Trust, Mortgage · Line of Credit
CENTERSTATE BANK NA
Jan 14, 2022Warranty Deed, Transfer · Conventional Mortgage
TRUIST BANK
Jun 21, 2021Warranty Deed, Transfer
OS NATIONAL LLC
Aug 21, 2020Deed of Trust, Mortgage · Line of Credit
HOME PONT FINANCIAL
Jan 17, 2020Deed of Trust, Mortgage · VA Mortgage
LOW VA RATES LLC
Jan 2, 2019Deed of Trust, Mortgage · VA Mortgage
EMBRACE HM LOANS
Nov 20, 2018Warranty Deed, Transfer
ATTORNEY ONLY
Jul 31, 2018Loan Modification, Mortgage · Conventional Mortgage
GARY L ROBINSON
Jul 31, 2017Warranty Deed, Transfer · Construction Mortgage
GARY L ROBINSON

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 14, 2022 · Amount on File
Deed SaleJan 14, 2022 · Amount on File
Prior SaleJun 21, 2021 · Amount on File
Deed Document Number202215207
Deed Book / Page21892 / 1121
Prior Transfer DateNov 19, 2018
Prior Transfer Doc0203410270
Record UpdatedOct 29, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address3040 SPRING OAK AVE, PALM HARBOR, FL 34684-1658
Transaction TypeMortgage
Record UpdatedAug 1, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3040 SPRING OAK AVE, PALM HARBOR, FL 34684-1658

Mortgage

Document Number0211530716
DateSep 4, 2020
Book Page21153/716
Instrument2020265500
Lender
NameCENTERSTATE BANK NA
TypeBank
AddressPALM HARBOR, FL 34684
Agreement
TypeLine of Credit
AmountAmount on Record
Term119 Months
DueAug 21, 2030
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateJan 14, 2022
Property Address3040 SPRING OAK AVE, PALM HARBOR, FL 34684-1658
Document Number0218921121
Book / Page21892 / 1121
Map ReferenceMB 100 PG 85-87
Instrument DateDec 23, 2021
Instrument2022015207
Transaction TypeTransfer
Record UpdatedAug 1, 2022
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,255.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

NameVerified Name
Address3040 SPRING OAK AVE, PALM HARBOR, FL 34684-1658

Mortgage

Document Number0218921123
DateJan 14, 2022
Instrument21892/1123
Lender
NameTRUIST BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJan 1, 2052

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateJun 21, 2021
Property Address3040 SPRING OAK AVE, PALM HARBOR, FL 34684-1658
Document Number0215901377
Book / Page21590 / 1377
Map ReferenceMB 100 PG 85-87
Instrument DateJun 16, 2021
Instrument2021204163
Transaction TypeTransfer
Record UpdatedJul 1, 2026
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount on Record
Tax$3,357.90
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1468 WATERMILL CIR, TARPON SPRINGS, FL 34689-7030

Transferred To (Grantee/Buyer)

NameVerified Name
Address410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
InvestorPossibly a Property Investor

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address3040 SPRING OAK AVE, PALM HARBOR, FL 34684-1658
Document Number0211530713
Instrument DateAug 21, 2020
Transaction TypeMortgage
Record UpdatedSep 29, 2020
Title CompanyACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

NameVerified Name
Address3040 SPRING OAK AVE PALM HARBOR FL 346841658, PALM HARBOR, FL 34684-1658

Mortgage

Document Number0211530713
DateSep 4, 2020
Book Page021153/000713
Instrument265499
Lender
NameHOME PONT FINANCIAL
AddressPO BOX 619063, DALLAS, TX 75261-9063
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address3040 SPRING OAK AVE, PALM HARBOR, FL 34684-1658
Document Number0208571932
Instrument DateJan 17, 2020
Transaction TypeMortgage
Record UpdatedFeb 10, 2020
Title CompanyWORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3040 SPRING OAK AVE PALM HARBOR FL 346841658, PALM HARBOR, FL 34684-1658

Mortgage

Document Number0208571932
DateJan 27, 2020
Book Page020857/001932
Instrument26769
Lender
NameLOW VA RATES LLC
AddressLINDON, UT 84042
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueJan 26, 2050

January 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address3040 SPRING OAK AVE, PALM HARBOR, FL 34684-1658
Document Number0203911767
Instrument DateJan 2, 2019
Transaction TypeMortgage
Record UpdatedJan 31, 2019
Title CompanyMORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3040 SPRING OAK AVE PALM HARBOR FL 346841658, PALM HARBOR, FL 34684-1658

Mortgage

Document Number0203911767
DateJan 9, 2019
Book Page020391/001767
Instrument8904
Lender
NameEMBRACE HM LOANS
TypeFunding / Finance Company
AddressMIDDLETOWN, RI 02842
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueJan 8, 2049

November 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateNov 20, 2018
Property Address3040 SPRING OAK AVE, PALM HARBOR, FL 34684-1658
Document Number0203410270
Book / Page020341 / 000270
Instrument DateNov 19, 2018
Instrument372539
Transaction TypeTransfer
Record UpdatedDec 5, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$167.05
Amount AccuracyConfirmed

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3040 SPRING OAK AVE PALM HARBOR FL 346841658, PALM HARBOR, FL 34684-1658

July 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPINELLAS FL
Property Address3040 SPRING OAK AVE, PALM HARBOR, FL 34684-1658
Document Number0201491781
Instrument DateJul 31, 2018
Transaction TypeMortgage
Record UpdatedNov 21, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address3040 SPRING OAK AVE PALM HARBOR FL 346841658, PALM HARBOR, FL 34684-1658

Mortgage

Document Number0201491781
DateAug 1, 2018
Book Page020149/001781
Instrument243668
Lender
NameGARY L ROBINSON
Address3408 TRIGGERFISH DR, HERNANDO BEACH, FL 34607-3661
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term12 Months
DueJul 31, 2019

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateJul 31, 2017
Property Address3040 SPRING OAK AVE, PALM HARBOR, FL 34684-1658
Document Number0197240196
Book / Page019724 / 000196
Instrument DateJul 31, 2017
Instrument238182
Transaction TypeTransfer
Record UpdatedSep 4, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,296.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3040 SPRING OAK AVE PALM HARBOR FL 346841658, PALM HARBOR, FL 34684-1658

Mortgage

Document Number197240198
DateJul 31, 2017
Book Page019724/000198
Instrument238183
Lender
NameGARY L ROBINSON
Address3408 TRIGGERFISH DR, HERNANDO BEACH, FL 34607-3661
Special NotesSeller Financed
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term12 Months
DueJul 30, 2018

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPinellas County
Unified School DistrictPinellas County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$7,234.00 (+5.58%) Homeowner's exemption$431,659 (+5.99%)$545,360 (+10.03%) Land $136,002 Building $409,358
2024$6,852.00 (+1.39%)
2023$6,758.00 (+2.72%) Homeowner's exemption$407,276 (+3%)$495,651 (+24.46%) Land $178,699 Building $316,952
2022$6,579.00 Homeowner's exemption$395,414$398,241 Land $165,356 Building $232,885

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 83 policies
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies83 in force
Nearby Flood Claims15 (1979–2021)
Claims Outside the SFHA3 of 15
Most Recent ClaimDec 2021 · rainfall accumulation
Claims by Event
  • Tropical Storm Debby, Jun 2012 · 5 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 RiskNot 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 SystemPINELLAS COUNTY UTILITIES
serves 506,353 people · EPA ID FL6521405
Water SourcePurchased surface water from several systems
Last State InspectionMar 2023
LeadUnder 1 ppb (2020)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting17
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 571 locations within half a mile, as of December 31, 2025

ProviderMax 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
AT&T
Fixed Wireless		100 / 20

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