3098 Tern Way, Clearwater, FL 33762 Property Records

Pinellas County property record for 3098 Tern Way, Clearwater, FL 33762

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,347 sqft · built 1979
Lot Size	0.217 acres (9,435 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Apr 2021)
Tax Bill	$8,946 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Jan 2020 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`C62-000-764-5268-9`

Property Details

APN / Parcel Number

Primary APN	`C62-000-764-5268-9`
Alternative APNs	`02-30-16-83944-000-1201` `301602839440001201` `163002839440001201` `R16622`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,347 sqft Living Area
Gross Area	3,464 sqft
1st Floor Area	1,401 sqft
Upper Floors Area	946 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2008
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,435 sqft (0.217 acres)
Lot Dimensions	117 ft deep x 81 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	655 sqft
Deck Area	517 sqft
Patio Area	517 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R16622
Street Address	3098 TERN WAY
City	CLEARWATER
State	FL
Zip	33762-4555
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	SOUND WEST UNIT 2 LOT 120 LESS E 80FT TOGETHER WITH LOT 3, BLK 33, SEC B OF EVERGREEN ACRES REFILE
Legal Range	16E
Legal Township	30S
Legal Section	2
Legal Subdivision	SOUND WEST UNIT 2
Legal Tract	83944
Legal Block	33
Legal Lot Number	120,3
Jurisdiction	PINELLAS FL
Township / Civil Division	ST. PETERSBURG
Census Block Group	1
Census Block	1006
Census Tract	24509

Owner

Source: Pinellas County records, as of September 17, 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 Record	2 Individual Names on Record
Mailing Address	925 N CAROLINA AVE SE, WASHINGTON, DC 20003-3914
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2021	Warranty Deed, Transfer · VA Mortgage TRIDENT HOME LOANS LLC
Jan 22, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Feb 20, 2017	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2021 · Amount on Record
Deed Sale	Apr 6, 2021 · Amount on Record
Prior Sale	Feb 20, 2017 · Amount on Record
Deed Document Number	2021110915
Deed Book / Page	21471 / 590
Prior Transfer Date	Sep 16, 2016
Prior Transfer Doc	0193532542
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Apr 6, 2021
Property Address	3098 TERN WAY, CLEARWATER, FL 33762-4555
Document Number	0214710590
Book / Page	21471 / 590
Map Reference	MB 77 PG 45
Instrument Date	Mar 31, 2021
Instrument	2021110915
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	SEMINOLE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7318 SAWGRASS POINT DR N, 7318, PINELLAS PARK, FL 33782-4204

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3098 TERN WAY, CLEARWATER, FL 33762-4555

Mortgage

Document Number	0021471592
Date	Apr 6, 2021
Instrument	21471/592

Lender

Name	TRIDENT HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	3098 TERN WAY, CLEARWATER, FL 33762-4555
Document Number	0208670836
Instrument Date	Jan 22, 2020
Transaction Type	Mortgage
Record Updated	Feb 21, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3098 TERN WAY CLEARWATER FL 337624555, CLEARWATER, FL 33762-4555

Mortgage

Document Number	0208670836
Date	Feb 3, 2020
Book Page	020867/000836
Instrument	35177

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2050

Interest

Rate Type	Adjustable Rate

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Feb 20, 2017
Property Address	3098 TERN WAY, CLEARWATER, FL 33762-4555
Document Number	0195241923
Book / Page	019524 / 001923
Instrument Date	Feb 16, 2017
Instrument	53898
Transaction Type	Transfer
Record Updated	Aug 18, 2018
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,045.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3098 TERN WAY CLEARWATER FL 337624555, CLEARWATER, FL 33762-4555

Mortgage

Document Number	195241925
Date	Feb 20, 2017
Book Page	019524/001925
Instrument	53899

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%

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	$8,946.00 (+5.42%) Homeowner's exemption	$504,780 (+5.99%)	$721,586 (+24.62%) Land $225,668 Building $495,918
2024	$8,486.00 (+1.53%)
2023	$8,358.00 (+2.16%) Homeowner's exemption	$476,266 (+3%)	$579,033 (+17.06%) Land $201,358 Building $377,675
2022	$8,181.00 Homeowner's exemption	$462,394	$494,659 Land $206,950 Building $287,709

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	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 364 individual policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	508 units insured incl. 144 condo units
Nearby Flood Claims	252 (1988–2025)
Most Recent Claim	Mar 2025 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims Hurricane Helene, Sep 2024 · 241 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 98% of the US · lower than 97.6% 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 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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