Pinellas County property record for 309 Morningside Dr, Palm Harbor, FL 34683
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,692 sqft · built 1959 |
| Lot Size | 0.16 acres (7,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $163,000 (Dec 1999) |
| Tax Bill | $3,570 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Feb 2020 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | C62-000-740-5460-2 |
| Primary APN | C62-000-740-5460-2 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,692 sqft Heated Area |
| 1st Floor Area | 1,692 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,000 sqft (0.16 acres) |
| Lot Dimensions | 100 ft deep x 70 ft wide |
| Garage Area | 219 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 100 sqft |
| Deck Area | 125 sqft |
| Patio Area | 125 sqft |
| Loading Dock | 360 sqft |
| Boat Access | Boat Access |
| Boat Lift | Boat Lift |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R244092 |
|---|---|
| Old Parcel Number | 152723058140001050 |
| Street Address | 309 MORNINGSIDE DR |
| City | PALM HARBOR |
| State | FL |
| Zip | 34683-1030 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BAYWOOD VILLAGE LOT 105 |
| Legal Range | 15 |
| Legal Township | 27 |
| Legal Section | 23 |
| Legal Subdivision | BAYWOOD VILLAGE |
| Legal Lot Number | 105 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 27202 |
309 Morningside Dr is owned and occupied by two individuals who bought it in December 1999.
Source: Pinellas County records, as of December 26, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 309 MORNINGSIDE DR, PALM HARBOR, FL 34683-1030 |
| 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 |
|---|---|
| Feb 25, 2026 | Deed of Trust, Mortgage · Line of Credit ACHIEVA CU |
| Feb 21, 2020 | Deed of Trust, Mortgage · Line of Credit ACHIEVA CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 3, 1999 · Amount on File |
| Deed Sale | Dec 3, 1999 · Amount on File |
| Prior Sale | Oct 22, 1997 · Amount on File |
| Deed Document Number | 0107421094 |
| Deed Book / Page | 09880 / 02094 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 309 MORNINGSIDE DR, PALM HARBOR, FL 34683-1030 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 309 MORNINGSIDE DR, PALM HARBOR, FL 34683-1030 |
| Document Number | 0234652113 |
|---|---|
| Date | Feb 25, 2026 |
| Book Page | 23465/2113 |
| Instrument | 2026051163 |
| Name | ACHIEVA CU |
|---|---|
| Type | Credit Union |
| Address | DUNEDIN, FL 34697 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 27, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 309 MORNINGSIDE DR, PALM HARBOR, FL 34683-1030 |
| Document Number | 0208980194 |
| Instrument Date | Feb 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 309 MORNINGSIDE DR PALM HARBOR FL 346831030, PALM HARBOR, FL 34683-1030 |
| Document Number | 0208980194 |
|---|---|
| Date | Feb 26, 2020 |
| Book Page | 020898/000194 |
| Instrument | 65092 |
| Name | ACHIEVA CU |
|---|---|
| Type | Credit Union |
| Address | DUNEDIN, FL 34697 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 25, 2045 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 309 Morningside Dr was $3,570 with a homeowner's exemption.
Source: Pinellas County assessment roll, as of July 1, 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 | $3,570.00 Homeowner's exemption | $230,977 | $517,740 Land $386,079 Building $131,661 |
| 2023 | $4,156.00 (+2.97%) Homeowner's exemption | $265,039 (+3%) | $597,307 (+43.19%) Land $394,172 Building $203,135 |
| 2022 | $4,036.00 Homeowner's exemption | $257,319 | $417,148 Land $304,538 Building $112,610 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 309 Morningside Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 | 11.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 446 individual policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 540 units insured incl. 94 condo units |
| Nearby Flood Claims | 399 (1985–2024) |
| Claims Outside the SFHA | 3 of 399 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
The area around 309 Morningside Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 360 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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