323 Bay St, Palm Harbor, FL 34683 Property Records

Pinellas County property record for 323 Bay St, Palm Harbor, FL 34683

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,216 sqft · built 1963
Lot Size	0.185 acres (8,050 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Jan 2019)
Tax Bill	$4,917 (2025)
Deeds & Mortgages	Jan 2019 Sale
Flood Zone	Zone AE (high risk)
APN	`C62-000-741-5656-3`

Property Details

APN / Parcel Number

Primary APN	`C62-000-741-5656-3`
Alternative APNs	`11-28-15-29898-006-0004` `281511298980060004` `152811298980060004` `R120028`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,216 sqft Living Area
Gross Area	1,870 sqft
1st Floor Area	1,216 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2005
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,050 sqft (0.185 acres)
Lot Dimensions	161 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	336 sqft
Carport	Carport
Carport Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Patio
Porch Area	654 sqft
Deck Area	224 sqft
Patio Area	208 sqft
Shed	1 Shed
Shed Area	240 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R120028
Street Address	323 BAY ST
City	PALM HARBOR
State	FL
Zip	34683-5254
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	FUTRELLS SUB W 50FT OF E 200FT OF N 160 FT OF BLK 6
Legal Range	15E
Legal Township	28S
Legal Section	11
Legal Subdivision	FUTRELLS SUB
Legal Tract	29898
Legal Block	6
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	2
Census Block	2017
Census Tract	27202

Owner

323 Bay St is owned and occupied by two individuals who bought it in January 2019.

Source: Pinellas County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	304 HILLPOINT DR, PALM HARBOR, FL 34683-5443
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2019 · Amount on File
Deed Sale	Jan 3, 2019 · Amount on File
Prior Sale	Oct 23, 2014 · Amount on File
Deed Document Number	20193540
Deed Book / Page	20385 / 1888
Prior Transfer Date	Jun 27, 2014
Prior Transfer Doc	0184482203
Record Updated	Oct 29, 2026

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jan 3, 2019
Property Address	323 BAY ST, PALM HARBOR, FL 34683-5254
Document Number	0203851888
Book / Page	020385 / 001888
Instrument Date	Jan 3, 2019
Instrument	3540
Transaction Type	Transfer
Record Updated	Jan 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,415.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6858 WESSELMAN RD CLEVES OH 450029489, CLEVES, OH 45002-9489

Tax Assessment & Valuation

The 2025 property tax bill for 323 Bay St was $4,917 with a homeowner's exemption.

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	$4,917.00 Homeowner's exemption	$306,742 Land $202,974 Building $103,768	$306,742 Land $202,974 Building $103,768
2023	$6,780.00 (+13.17%) Homeowner's exemption	$412,151 (+14.62%)	$412,151 (+14.62%) Land $232,244 Building $179,907
2022	$5,991.00	$359,570	$359,570 Land $202,758 Building $156,812

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 323 Bay St 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	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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	Hurricane Helene, Sep 2024 · 171 claims Hurricane Idalia, Aug 2023 · 12 claims Tropical Storm Josephine, Oct 1996 · 12 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

Wildfire risk around 323 Bay St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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.

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 270 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