Pinellas County property record for 326 Ridge Rd, Palm Harbor, FL 34683
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 3 bd · 4 ba · 2,236 sqft · built 1960 |
| Lot Size | 0.294 acres (12,815 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $565,000 (Dec 2019) |
| Tax Bill | $8,755 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Dec 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-741-5054-1 |
| Primary APN | C62-000-741-5054-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,236 sqft Living Area |
| Gross Area | 3,223 sqft |
| 1st Floor Area | 2,236 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | H-Shape |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 12,815 sqft (0.294 acres) |
| Lot Dimensions | 160 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
|---|---|
| Porch Area | 459 sqft |
| Deck Area | 500 sqft |
| Patio Area | 500 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R109795 |
|---|---|
| Street Address | 326 RIDGE RD |
| City | PALM HARBOR |
| State | FL |
| Zip | 34683-5422 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | OZONA SHORES 3RD ADD BLK D, LOT 13 |
| Legal Subdivision | OZONA SHORES 3RD ADD |
| Legal Tract | 65070 |
| Legal Block | D |
| Legal Lot Number | 13 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 27202 |
326 Ridge Rd, a residential property, is owned and occupied by two individuals who acquired it in August 2024.
Source: Pinellas County records, as of September 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 326 RIDGE RD, PALM HARBOR, FL 34683-5422 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Dec 10, 2019 | Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Mar 7, 2017 | Intrafamily Transfer, Transfer · FHA Mortgage QUANTIC BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2019 · Amount on File |
| Deed Sale | Dec 10, 2019 · Amount on File |
| Prior Sale | Mar 7, 2017 |
| Deed Document Number | 2019392758 |
| Deed Book / Page | 20800 / 2659 |
| Last Transfer Date | Aug 13, 2024 |
| Transfer Doc | 0228940361 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 326 RIDGE RD, PALM HARBOR, FL 34683-5422 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 326 RIDGE RD, PALM HARBOR, FL 34683-5422 |
| Document Number | 0211750766 |
|---|---|
| Date | Sep 22, 2020 |
| Book Page | 21175/766 |
| Instrument | 2020282183 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Dec 10, 2019 |
| Property Address | 326 RIDGE RD, PALM HARBOR, FL 34683-5422 |
| Document Number | 0208002659 |
| Book / Page | 20800 / 2659 |
| Map Reference | MB 43 PG 66&67 |
| Instrument Date | Dec 5, 2019 |
| Instrument | 2019392758 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | TOTAL TITLE SOLUTIONS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,955.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 960 STARKEY RD UNIT 9103, 960, LARGO, FL 33771-2507 |
| Name | Verified Name |
|---|---|
| Address | 326 RIDGE RD, PALM HARBOR, FL 34683-5422 |
| Document Number | 0208002661 |
|---|---|
| Date | Dec 10, 2019 |
| Instrument | 20800/2661 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Mar 7, 2017 |
| Property Address | 326 RIDGE RD, PALM HARBOR, FL 34683-5422 |
| Document Number | 0195431931 |
| Book / Page | 19543 / 1931 |
| Map Reference | MB43 PG66&67 |
| Instrument Date | Feb 22, 2017 |
| Instrument | 2017071255 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 326 RIDGE RD, PALM HARBOR, FL 34683-5422 |
| Document Number | 2017071256 |
|---|---|
| Date | Mar 7, 2017 |
| Instrument | 2017071256 |
| Name | QUANTIC BANK |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.61% |
| Type Change Date | Mar 1, 2018 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
The 2025 property tax bill for 326 Ridge Rd was $8,755, up 5.5% from the year before.
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 | $8,755.00 (+5.55%) | $519,357 | $738,416 Land $267,576 Building $470,840 |
| 2024 | $8,295.00 (+1.42%) | ||
| 2023 | $8,179.00 (+2.64%) Homeowner's exemption | $490,019 (+3%) | $664,710 (+14.89%) Land $315,198 Building $349,512 |
| 2022 | $7,969.00 Homeowner's exemption | $475,747 | $578,540 Land $290,936 Building $287,604 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 326 Ridge Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
|
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 risk around 326 Ridge Rd 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 99.8% 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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