307 Palmetto Ln, Largo, FL 33770 Property Records

Pinellas County property record for 307 Palmetto Ln, Largo, FL 33770

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,038 sqft · built 2003
Lot Size	0.272 acres (11,840 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,675,000 (Jul 2025)
Tax Bill	$23,769 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-1713-9`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-1713-9`
Alternative APNs	`05-30-15-35712-016-0100` `301505357120160100` `153005357120160100` `R47524`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	3,038 sqft Living Area
Gross Area	4,544 sqft
1st Floor Area	3,038 sqft
Flooring	Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	11,840 sqft (0.272 acres)
Lot Dimensions	122 ft deep x 97 ft wide
Garage Type	Attached
Garage Area	667 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	839 sqft
Deck Area	500 sqft
Patio Area	500 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R47524
Street Address	307 PALMETTO LN
City	LARGO
State	FL
Zip	33770-4616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	HARBOR BLUFFS SEC 2 UNIT B BLK P, LOT 10
Legal Range	15E
Legal Township	30S
Legal Section	5
Legal Subdivision	HARBOR BLUFFS SEC 2 UNIT B
Legal Tract	35712
Legal Block	P
Legal Lot Number	10
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1028
Census Tract	25210

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	307 PALMETTO LN, LARGO, FL 33770-4616
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2022	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA
Oct 30, 2018	Warranty Deed, Transfer · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2025 · Amount on Record
Deed Sale	Jul 17, 2025 · Amount on Record
Prior Sale	Jul 27, 2022 · Amount on Record
Deed Document Number	2025204443
Deed Book / Page	23231 / 1586
Prior Transfer Date	Jun 13, 2007
Prior Transfer Doc	0158521537
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jul 27, 2022
Property Address	307 PALMETTO LN, LARGO, FL 33770-4616
Document Number	0221471589
Book / Page	22147 / 1589
Map Reference	MB 38 PG 58&59
Instrument Date	Jul 21, 2022
Instrument	2022229998
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	TITLE AGENCY/FLORIDA INC, TITLE AGENCY OF FLORIDA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9520 131ST ST, 9520, SEMINOLE, FL 33776-1637

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	307 PALMETTO LN, LARGO, FL 33770-4616

Mortgage

Document Number	0221471591
Date	Jul 27, 2022
Instrument	22147/1591

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 30, 2018
Property Address	307 PALMETTO LN, LARGO, FL 33770-4616
Document Number	0203161912
Book / Page	20316 / 1912
Map Reference	MB 38 PG 58&59
Instrument Date	Oct 29, 2018
Instrument	2018348636
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	TITLE AGENCY OF FLORIDA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10101 TARPON DR, 10101, TREASURE ISLAND, FL 33706-3122

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	633 KINGSMILL CT, OLDSMAR, FL 34677-6349

Mortgage

Document Number	2018348637
Date	Oct 30, 2018
Instrument	2018348637

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Nov 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	8.5%

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	$23,769.00 (+8.94%)	$1,393,440 (+15.62%) Land $333,533 Building $1,059,907	$1,393,440 (+15.62%) Land $333,533 Building $1,059,907
2024	$21,819.00 (+3.26%)
2023	$21,130.00 (+112.17%)	$1,205,186 (+102.32%)	$1,205,186 (+58.28%) Land $397,793 Building $807,393
2022	$9,959.00 Homeowner's exemption	$595,680	$761,430 Land $310,775 Building $450,655

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 179 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	179 in force
Nearby Flood Claims	101 (1993–2024)
Most Recent Claim	Dec 2024 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 4 claims Hurricane Helene, Sep 2024 · 94 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 446 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

May also be available: AT&T, T-Mobile.

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