Pinellas County property record for 320 Crosswinds Dr, Palm Harbor, FL 34683
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,352 sqft · built 1983 |
| Lot Size | 0.166 acres (7,244 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $555,000 (Jul 2025) |
| Tax Bill | $3,040 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Mar 2022 Mortgage + 5 more |
| Flood Zone | Zone AE (high risk) |
| APN | C62-000-740-5605-2 |
| Primary APN | C62-000-740-5605-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,352 sqft Living Area |
| Gross Area | 2,952 sqft |
| 1st Floor Area | 1,352 sqft |
| Basement Area | 712 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Custom Design |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 7,244 sqft (0.166 acres) |
| Lot Dimensions | 120 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 640 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 248 sqft |
| Deck Area | 572 sqft |
| Patio Area | 344 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R244237 |
|---|---|
| Street Address | 320 CROSSWINDS DR |
| City | PALM HARBOR |
| State | FL |
| Zip | 34683-1302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | BAYWOOD VILLAGE SEC 2 LOT 45 |
| Legal Range | 15E |
| Legal Township | 27S |
| Legal Section | 23 |
| Legal Subdivision | BAYWOOD VILLAGE SEC 2 |
| Legal Tract | 5832 |
| Legal Lot Number | 45 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 27202 |
320 Crosswinds Dr is owned and occupied by two individuals who bought it in July 2025.
Source: Pinellas County records, as of September 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 320 CROSSWINDS DR, PALM HARBOR, FL 34683-1302 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Mar 27, 2024 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 4, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| May 19, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 11, 2020 | Warranty Deed, Transfer · FHA Mortgage SECURITY NATIONAL MORTGAGE CO |
| Apr 7, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Oct 3, 2019 | Warranty Deed, Transfer WOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA-WIKLE TITLE INS AGCY |
| Nov 26, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 17, 2025 · Amount on File |
| Deed Sale | Jul 17, 2025 · Amount on File |
| Prior Sale | Aug 11, 2020 · Amount on File |
| Deed Document Number | 2025204308 |
| Deed Book / Page | 23231 / 1191 |
| Prior Transfer Date | Apr 6, 2020 |
| Prior Transfer Doc | 0209541448 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 320 CROSSWINDS DR, PALM HARBOR, FL 34683-1302 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 320 CROSSWINDS DR, PALM HARBOR, FL 34683-1302 |
| Document Number | 0227462037 |
|---|---|
| Date | Mar 27, 2024 |
| Book Page | 22746/2037 |
| Instrument | 2024076207 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 318 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 320 CROSSWINDS DR, PALM HARBOR, FL 34683-1302 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 320 CROSSWINDS DR, PALM HARBOR, FL 34683-1302 |
| Document Number | 0219601653 |
|---|---|
| Date | Mar 4, 2022 |
| Book Page | 21960/1653 |
| Instrument | 2022069435 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 342 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 320 CROSSWINDS DR, PALM HARBOR, FL 34683-1302 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 320 CROSSWINDS DR, PALM HARBOR, FL 34683-1302 |
| Document Number | 0215422525 |
|---|---|
| Date | May 19, 2021 |
| Book Page | 21542/2525 |
| Instrument | 2021166711 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 352 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Aug 11, 2020 |
| Property Address | 320 CROSSWINDS DR, PALM HARBOR, FL 34683-1302 |
| Document Number | 0211170300 |
| Book / Page | 21117 / 300 |
| Map Reference | MB 54 PG 49-51 |
| Instrument Date | Aug 7, 2020 |
| Instrument | 2020238290 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | EXCEL TITLE I LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,345.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2127 CITRUS HILL RD, 2127, PALM HARBOR, FL 34683-3210 |
| Name | Verified Name |
|---|---|
| Address | 320 CROSSWINDS DR, PALM HARBOR, FL 34683-1302 |
| Document Number | 0021117302 |
|---|---|
| Date | Aug 11, 2020 |
| Instrument | 21117/302 |
| Name | SECURITY NATIONAL MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Apr 7, 2020 |
| Property Address | 320 CROSSWINDS DR, PALM HARBOR, FL 34683-1302 |
| Document Number | 0209541448 |
| Book / Page | 020954 / 001448 |
| Instrument Date | Apr 6, 2020 |
| Instrument | 115028 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 515 BONNIE BLVD PALM HARBOR FL 346843904, PALM HARBOR, FL 34684-3904 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Oct 3, 2019 |
| Property Address | 320 CROSSWINDS DR, PALM HARBOR, FL 34683-1302 |
| Document Number | 0207190319 |
| Book / Page | 020719 / 000319 |
| Instrument Date | Oct 3, 2019 |
| Instrument | 319612 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2019 |
| Title Company | WOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA-WIKLE TITLE INS AGCY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,564.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 320 CROSSWINDS DR PALM HARBOR FL 346831302, PALM HARBOR, FL 34683-1302 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Nov 26, 2018 |
| Property Address | 320 CROSSWINDS DR, PALM HARBOR, FL 34683-1302 |
| Document Number | 0203450971 |
| Book / Page | 020345 / 000971 |
| Instrument Date | Nov 21, 2018 |
| Instrument | 376412 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 320 CROSSWINDS DR PALM HARBOR FL 346831302, PALM HARBOR, FL 34683-1302 |
The 2025 property tax bill for 320 Crosswinds Dr was $3,040, down 42.1% from the year before.
Source: Pinellas County assessment roll, as of December 2, 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 | $3,040.00 (-42.13%) | $201,619 | $286,855 Land $114,474 Building $172,381 |
| 2024 | $5,253.00 (+1.55%) | ||
| 2023 | $5,173.00 (+2.82%) Homeowner's exemption | $321,663 (+3%) | $451,832 (+13.25%) Land $130,790 Building $321,042 |
| 2022 | $5,031.00 Homeowner's exemption | $312,294 | $398,973 Land $131,887 Building $267,086 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 320 Crosswinds 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.
Wildfire risk around 320 Crosswinds Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond 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 175 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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