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323 Ridge Rd, Palm Harbor, FL 34683 Property Records

Pinellas County property record for 323 Ridge Rd, Palm Harbor, FL 34683 · Last verified January 2026

Property Summary

Property TypeSingle Family Home
Details3 ba · 1,448 sqft · built 1982
Lot Size0.227 acres (9,919 sqft)
OwnerIndividual Name on File
Last Sale$690,000 (Mar 2025)
Tax Bill$6,550 (2025)
Deeds & MortgagesNov 2023 Line of Credit
Sep 2021 Mortgage
+ 2 more
Flood ZoneZone X (moderate risk)
APNC62-000-741-5853-6

Property Details

APN / Parcel Number

Primary APNC62-000-741-5853-6
Alternative APNs
  • 11-28-15-65088-005-0230
  • 152811650880050230
  • R120233

Interior

Full Baths3 Baths
Plumbing Fixtures9 Plumbing Fixtures
Stories2 Stories
Building Area1,448 sqft Heated Area
1st Floor Area1,448 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1982
Effective Year BuiltEffective 1998
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area9,919 sqft (0.227 acres)
Lot Dimensions110 ft deep x 80 ft wide
Garage Area624 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchPorch
Porch Area764 sqft
Deck Area120 sqft
Patio Area120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR120233
Old Parcel Number152811650880050230
Street Address323 RIDGE RD
CityPALM HARBOR
StateFL
Zip34683-5423
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionOZONA SHORES REPLAT 3RD ADD BLK E, LOT 23
Legal Range15
Legal Township28
Legal Section11
Legal SubdivisionOZONA SHORES REPLAT 3RD ADD
Legal BlockE
Legal Lot Number23
JurisdictionPINELLAS FL
Township / Civil DivisionTARPON SPRINGS
Census Block Group2
Census Block2015
Census Tract27202

Owner

Source: Pinellas County records · APN C62-000-741-5853-6

Assessment roll updated July 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address323 RIDGE RD, PALM HARBOR, FL 34683-5423
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 07, 2023Deed of Trust, Mortgage · Line of Credit
PNC BANK NA
Sep 29, 2021Deed of Trust, Mortgage · VA Mortgage
UNITED WHOLESALE MORTGAGE
Jul 16, 2020Deed of Trust, Mortgage · VA Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 05, 2019Warranty Deed, Transfer · VA Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 17, 2025 · Amount on Record
Deed SaleMar 17, 2025 · Amount on Record
Prior SaleNov 05, 2019 · Amount on Record
Deed Document Number2025078862
Deed Book / Page23096 / 1612
Record UpdatedJun 08, 2026

November 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address323 RIDGE RD, PALM HARBOR, FL 34683-5423
Transaction TypeMortgage
Record UpdatedNov 23, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address323 RIDGE RD, PALM HARBOR, FL 34683-5423

Mortgage

Document Number0226160400
DateNov 07, 2023
Book Page22616/400
Instrument2023284789
Lender
NamePNC BANK NA
TypeBank
AddressWILMINGTON, DE 19801
Agreement
TypeLine of Credit
AmountAmount Recorded
Term480 Months
DueNov 14, 2063
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address323 RIDGE RD, PALM HARBOR, FL 34683-5423
Transaction TypeMortgage
Record UpdatedOct 13, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address323 RIDGE RD, PALM HARBOR, FL 34683-5423

Mortgage

Document Number0217370422
DateSep 29, 2021
Book Page21737/422
Instrument2021318175
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2051

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address323 RIDGE RD, PALM HARBOR, FL 34683-5423
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0210801945
DateJul 16, 2020
Book Page21080/1945
Instrument2020211142
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
AddressCARROLLTON, TX 75007
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2050

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateNov 05, 2019
Property Address323 RIDGE RD, PALM HARBOR, FL 34683-5423
Document Number0207611034
Book / Page20761 / 1034
Map ReferenceMB 53 PG 18
Instrument DateOct 28, 2019
Instrument2019357895
Transaction TypeTransfer
Record UpdatedFeb 01, 2022
Title CompanySUNBELT TITLE AGENCY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$3,010.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address751 SALT LAKE DR, 751, TARPON SPRINGS, FL 34689-5263

Transferred To (Grantee/Buyer)

NameVerified Name
Address323 RIDGE RD, PALM HARBOR, FL 34683-5423

Mortgage

Document Number0207611035
DateNov 05, 2019
Instrument20761/1035
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2049

Tax Assessment & Valuation

Source: Pinellas County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPinellas County
Unified School DistrictPinellas County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$6,550.00 (+7.34%) Homeowner's exemption Veteran's exemption$402,191 (+5.99%)$591,009 (+16.77%) Land $246,252 Building $344,757
2023$6,102.00 (+2.78%) Homeowner's exemption Veteran's exemption$379,472 (+3%)$506,116 (+12.56%) Land $287,300 Building $218,816
2022$5,937.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$368,419$449,635 Land $267,894 Building $181,741

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Pinellas County (12103C), updated April 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121030272022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardModerate
500-Year FloodplainYes
CoastalYes
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 265 individual NFIP policies nearby
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies285 units insured
20 under condo master policies
Nearby Flood Claims375 (1982–2026)
Claims Outside the SFHA4 of 375
Most Recent ClaimMay 2026, other causes
Claims By Storm
  • Hurricane Helene, Sep 2024 · 171 claims
  • Hurricane Idalia, Aug 2023 · 12 claims
  • Tropical Storm Josephine, Oct 1996 · 12 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 308 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber7,000 / 7,000
WOW Internet, Cable & PhoneCable1,200 / 50
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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