3128 Tern Way, Clearwater, FL 33762 Property Records

Pinellas County property record for 3128 Tern Way, Clearwater, FL 33762

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,347 sqft · built 1979
Lot Size	0.212 acres (9,243 sqft)
Owner	2 Individual Names on Record
Last Sale	$800,000 (May 2024)
Tax Bill	$5,924 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Aug 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`C62-000-764-5265-5`

Property Details

APN / Parcel Number

Primary APN	`C62-000-764-5265-5`
Alternative APNs	`02-30-16-83944-000-1170` `301602839440001170` `163002839440001170` `R16619`

Interior

Bedrooms	5 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	3,364 sqft
1st Floor Area	1,401 sqft
Upper Floors Area	946 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1994
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,243 sqft (0.212 acres)
Lot Dimensions	115 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	555 sqft
Deck Area	100 sqft
Patio Area	100 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R16619
Street Address	3128 TERN WAY
City	CLEARWATER
State	FL
Zip	33762-4557
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	SOUND WEST UNIT 2 LOT 117
Legal Range	16E
Legal Township	30S
Legal Section	2
Legal Subdivision	SOUND WEST UNIT 2
Legal Tract	83944
Legal Block	1
Legal Lot Number	117
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	7529 OVERVIEW ST, PAPILLION, NE 68046-4721
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Aug 1, 2022	Warranty Deed, Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2024 · Amount on Record
Deed Sale	May 30, 2024 · Amount on Record
Prior Sale	Aug 1, 2022 · Amount on Record
Deed Document Number	2024138278
Deed Book / Page	22815 / 2025
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	3128 TERN WAY, CLEARWATER, FL 33762-4557
Transaction Type	Mortgage
Record Updated	Dec 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3128 TERN WAY, CLEARWATER, FL 33762-4557

Mortgage

Document Number	0233680019
Date	Nov 21, 2025
Book Page	23368/19
Instrument	2025328703

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Aug 1, 2022
Property Address	3128 TERN WAY, CLEARWATER, FL 33762-4557
Document Number	0221512055
Book / Page	22151 / 2055
Map Reference	MB 77 PG 45
Instrument Date	Jul 27, 2022
Instrument	2022233646
Transaction Type	Transfer
Record Updated	Aug 19, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1703 E 29TH AVE, 1703, TAMPA, FL 33605-1125

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3128 TERN WAY, CLEARWATER, FL 33762-4557

Mortgage

Document Number	0221512058
Date	Aug 1, 2022
Instrument	22151/2058

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

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

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	$5,924.00 (-5.68%) Homeowner's exemption	$346,174 (-5.62%) Land $198,406 Building $147,768	$346,174 (-26.41%) Land $198,406 Building $147,768
2023	$6,281.00 (+37.68%) Homeowner's exemption	$366,793 (+33.97%)	$470,395 (+17.23%) Land $191,683 Building $278,712
2022	$4,562.00 Homeowner's exemption	$273,794	$401,246 Land $195,434 Building $205,812

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 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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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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