3234 Tern Way, Clearwater, FL 33762 Property Records

Pinellas County property record for 3234 Tern Way, Clearwater, FL 33762

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,114 sqft · built 1979
Lot Size	0.215 acres (9,370 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Jan 2019)
Tax Bill	$3,832 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`C62-000-764-5289-5`

Property Details

APN / Parcel Number

Primary APN	`C62-000-764-5289-5`
Alternative APNs	`02-30-16-83945-000-1120` `163002839450001120` `R16643`

Interior

Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	2,114 sqft Heated Area
1st Floor Area	2,114 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1998
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,370 sqft (0.215 acres)
Lot Dimensions	117 ft deep x 80 ft wide
Garage Area	491 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	406 sqft
Deck Area	146 sqft
Patio Area	146 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R16643
Old Parcel Number	163002839450001120
Street Address	3234 TERN WAY
City	CLEARWATER
State	FL
Zip	33762-4559
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUND WEST UNIT 3 LOT 112
Legal Range	16
Legal Township	30
Legal Section	02
Legal Subdivision	SOUND WEST UNIT 3
Legal Lot Number	112
Legal Unit	3
Jurisdiction	PINELLAS FL
Township / Civil Division	ST. PETERSBURG
Census Block Group	1
Census Block	1006
Census Tract	24509

Owner

3234 Tern Way is owned and occupied by an individual who bought it in January 2019.

Source: Pinellas County records, as of December 26, 2025

Owner of Record	Individual Name on File
Mailing Address	3234 TERN WAY, CLEARWATER, FL 33762-4559
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

Date	Document
Sep 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP
Dec 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP
Jan 25, 2019	Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2019 · Amount on File
Deed Sale	Jan 25, 2019 · Amount on File
Prior Sale	Nov 16, 1998 · Amount on File
Deed Document Number	2019026220
Deed Book / Page	20407 / 1911
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	3234 TERN WAY, CLEARWATER, FL 33762-4559
Transaction Type	Mortgage
Record Updated	Oct 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3234 TERN WAY, CLEARWATER, FL 33762-4559

Mortgage

Document Number	0217280597
Date	Sep 23, 2021
Book Page	21728/597
Instrument	2021311171

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	3234 TERN WAY, CLEARWATER, FL 33762-4559
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0208260426
Date	Dec 30, 2019
Book Page	20826/0426
Instrument	2019413792

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jan 25, 2019
Property Address	3234 TERN WAY, CLEARWATER, FL 33762-4559
Document Number	0204071911
Book / Page	20407 / 1911
Map Reference	MB 79 PG 2
Instrument Date	Jan 24, 2019
Instrument	2019026220
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	FIDELITY NATIONAL TITLE OF F

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3234 TERN WAY, CLEARWATER, FL 33762-4559

Mortgage

Document Number	2019026221
Date	Jan 25, 2019
Instrument	2019026221

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3234 Tern Way was $3,832 with a homeowner's exemption.

Source: Pinellas County assessment roll, as of July 1, 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	$3,832.00 Homeowner's exemption	$236,355	$381,904 Land $205,177 Building $176,727
2023	$5,077.00 (+2.38%) Homeowner's exemption	$303,337 (+3%)	$472,199 (+16.92%) Land $197,611 Building $274,588
2022	$4,959.00 Homeowner's exemption	$294,502	$403,856 Land $199,915 Building $203,941

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

Flood

FEMA maps place 3234 Tern Way 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	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 3234 Tern Way is low, with 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 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.

Nearby Properties on Tern Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures