326 Circle Dr, Palm Harbor, FL 34683 Property Records

Pinellas County property record for 326 Circle Dr, Palm Harbor, FL 34683

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,248 sqft · built 1973
Lot Size	0.165 acres (7,196 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Sep 2025)
Tax Bill	$691 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`C62-000-740-5478-4`

Property Details

APN / Parcel Number

Primary APN	`C62-000-740-5478-4`
Alternative APNs	`23-27-15-05814-000-1230` `271523058140001230` `152723058140001230` `R244110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,248 sqft Living Area
Gross Area	2,085 sqft
1st Floor Area	1,248 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1985
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,196 sqft (0.165 acres)
Lot Dimensions	90 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	423 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	414 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R244110
Street Address	326 CIRCLE DR
City	PALM HARBOR
State	FL
Zip	34683-1001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	BAYWOOD VILLAGE LOT 123
Legal Range	15E
Legal Township	27S
Legal Section	23
Legal Subdivision	BAYWOOD VILLAGE
Legal Tract	5814
Legal Block	3
Legal Lot Number	123
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	3
Census Block	3026
Census Tract	27202

Owner

Source: Pinellas County records, as of September 10, 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	326 CIRCLE DR, PALM HARBOR, FL 34683-1001
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2025 · Amount on Record
Deed Sale	Sep 15, 2025 · Amount on Record
Deed Document Number	2025264967
Deed Book / Page	23295 / 1879
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 15, 2025
Property Address	326 CIRCLE DR, PALM HARBOR, FL 34683-1001
Document Number	0232951879
Book / Page	23295 / 1879
Map Reference	MB 47 PG 4-7
Instrument Date	Sep 12, 2025
Instrument	2025264967
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3802 SAILMAKER LN, HOLIDAY, FL 34691-5207

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 CIRCLE DR, PALM HARBOR, FL 34683-1001

Mortgage

Document Number	0232951881
Date	Sep 15, 2025
Instrument	23295/1881

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

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	$691.00 (-48.01%)	$76,530 (-29.76%)	$237,436 (-29.76%) Land $139,002 Building $98,434
2024	$1,329.00 (+2.78%) Homeowner's exemption	$108,962 (+3%)	$338,055 (+21.39%) Land $158,235 Building $179,820
2023	$1,293.00 (+4.36%) Homeowner's exemption	$105,788 (+3%)	$278,477 (+20.28%) Land $151,824 Building $126,653
2022	$1,239.00 Homeowner's exemption	$102,707	$231,526 Land $141,340 Building $90,186

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.

Flood

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 Record 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	Hurricane Milton, Oct 2024 · 6 claims Hurricane Helene, Sep 2024 · 248 claims Hurricane Idalia, Aug 2023 · 7 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

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

Wildfire Risk	Not rated no burnable land within 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 360 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