Pinellas County property record for 320 Lagoon Dr, Palm Harbor, FL 34683
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,176 sqft · built 1961 |
| Lot Size | 0.227 acres (9,901 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $230,000 (Jun 2016) |
| Tax Bill | $6,632 (2025) |
| Deeds & Mortgages | Feb 2024 Transfer Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | C62-000-741-5851-0 |
| Primary APN | C62-000-741-5851-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| Gross Area | 1,911 sqft |
| 1st Floor Area | 1,176 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 9,901 sqft (0.227 acres) |
| Lot Dimensions | 110 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 381 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 594 sqft |
| Deck Area | 100 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R120231 |
|---|---|
| Street Address | 320 LAGOON DR |
| City | PALM HARBOR |
| State | FL |
| Zip | 34683-5411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | OZONA SHORES REPLAT 3RD ADD BLK E, LOT 20 |
| Legal Range | 15E |
| Legal Township | 28S |
| Legal Section | 11 |
| Legal Subdivision | OZONA SHORES |
| Legal Tract | 65088 |
| Legal Block | E |
| Legal Lot Number | 20 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 27202 |
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 | 3565 TORINO LN, PALM HARBOR, FL 34683-0003 |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Feb 6, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Jun 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC |
| Jun 12, 2018 | Quit Claim Deed STAR TITLE PARTNERS/PALM HARBOR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2016 · Amount on Record |
| Deed Sale | Jun 29, 2016 · Amount on Record |
| Prior Sale | Sep 3, 1996 · Amount on Record |
| Deed Document Number | 2016198073 |
| Deed Book / Page | 19247 / 2026 |
| Last Transfer Date | Jan 19, 2024 |
| Transfer Doc | 0226972013 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Feb 6, 2024 |
| Property Address | 320 LAGOON DR, PALM HARBOR, FL 34683-5411 |
| Document Number | 0226972013 |
| Book / Page | 22697 / 2013 |
| Instrument Date | Jan 19, 2024 |
| Instrument | 2024030376 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3565 TORINO LN, PALM HARBOR, FL 34683-0003 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 320 LAGOON DR, PALM HARBOR, FL 34683-5411 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0210462523 |
|---|---|
| Date | Jun 19, 2020 |
| Book Page | 21046/2523 |
| Instrument | 2020185974 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN RAMON, CA 94583 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Jun 12, 2018 |
| Property Address | 320 LAGOON DR, PALM HARBOR, FL 34683-5411 |
| Document Number | 0200851512 |
| Book / Page | 020085 / 001512 |
| Instrument Date | Jun 5, 2018 |
| Instrument | 185149 |
| Record Updated | Jul 6, 2018 |
| Title Company | STAR TITLE PARTNERS/PALM HARBOR |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 320 LAGOON DR PALM HARBOR FL 346835411, PALM HARBOR, FL 34683-5411 |
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 | $6,632.00 (-18.78%) | $360,010 (+45%) Land $276,882 Building $83,128 | $360,010 (-15.82%) Land $276,882 Building $83,128 |
| 2024 | $8,165.00 (+112.96%) | ||
| 2023 | $3,834.00 (+2.98%) Homeowner's exemption | $248,291 (+3%) | $427,690 (+18.59%) Land $310,678 Building $117,012 |
| 2022 | $3,723.00 Homeowner's exemption | $241,059 | $360,638 Land $268,820 Building $91,818 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 10.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 265 individual policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 285 units insured incl. 20 condo units |
| Nearby Flood Claims | 375 (1982–2026) |
| Claims Outside the SFHA | 4 of 375 |
| Most Recent Claim | May 2026 · other causes |
| 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.
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.
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 308 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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