Pinellas County property record for 345 Lemon St, Palm Harbor, FL 34683
| Property Type | Single Family Home |
|---|---|
| Details | 5 ba · 3,953 sqft · built 2005 |
| Lot Size | 0.528 acres (22,991 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,305,000 (Aug 2021) |
| Tax Bill | $19,529 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | C62-000-741-5610-0 |
| Primary APN | C62-000-741-5610-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,953 sqft Living Area |
| Gross Area | 5,033 sqft |
| 1st Floor Area | 2,036 sqft |
| Upper Floors Area | 1,917 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 22,991 sqft (0.528 acres) |
| Lot Dimensions | 227 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 504 sqft |
| Deck Area | 410 sqft |
| Patio Area | 410 sqft |
| Shed | 1 Shed |
| Shed Area | 150 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R119981 |
|---|---|
| Street Address | 345 LEMON ST |
| City | PALM HARBOR |
| State | FL |
| Zip | 34683-5249 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | FUTRELLS SUB BLK 2, E 85FT OF LOT 3 & W 15FT OF LOT 2 & W 100FT OF E 365FT OF S 50FT OF BLK 1 |
| Legal Range | 15E |
| Legal Township | 28S |
| Legal Section | 11 |
| Legal Subdivision | FUTRELLS SUB |
| Legal Tract | 29898 |
| Legal Block | 2 |
| Legal Lot Number | 3,2 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 27202 |
Source: Pinellas County records, as of September 17, 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 | 345 LEMON ST, PALM HARBOR, FL 34683-5249 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 3, 2022 | Deed of Trust, Mortgage · Line of Credit CADENCE BANK NA |
| Aug 27, 2021 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2021 · Amount on Record |
| Deed Sale | Aug 27, 2021 · Amount on Record |
| Prior Sale | Jun 3, 2003 · Amount on Record |
| Deed Document Number | 2021283157 |
| Deed Book / Page | 21691 / 887 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 345 LEMON ST, PALM HARBOR, FL 34683-5249 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 345 LEMON ST, PALM HARBOR, FL 34683-5249 |
| Document Number | 0221560022 |
|---|---|
| Date | Aug 3, 2022 |
| Book Page | 22156/22 |
| Instrument | 2022237400 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | SPRING, TX 77380 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Jul 17, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Aug 27, 2021 |
| Property Address | 345 LEMON ST, PALM HARBOR, FL 34683-5249 |
| Document Number | 0216910887 |
| Book / Page | 21691 / 887 |
| Map Reference | MB S PG 234&235 |
| Instrument Date | Aug 26, 2021 |
| Instrument | 2021283157 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2021 |
| Title Company | PALMA TITLE AND R/E CLOSINGS INC, PALMA TTL & RE CLOSINGS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,135.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 211 REDDEN COURT, 211, PALM HARBOR, FL 34683 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 9420 GEORGIAN PARK LN APT 107, 107, TAMPA, FL 33626-5179 |
| Document Number | 21691890 |
|---|---|
| Date | Aug 27, 2021 |
| Instrument | 21691/890 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
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 | $19,529.00 (+6.71%) Homeowner's exemption | $1,116,123 (+5.99%) | $1,268,372 (+3.46%) Land $374,743 Building $893,629 |
| 2023 | $18,301.00 (+2.47%) Homeowner's exemption | $1,053,076 (+3%) | $1,226,008 (+19.91%) Land $474,300 Building $751,708 |
| 2022 | $17,860.00 Homeowner's exemption | $1,022,404 | $1,022,404 Land $404,043 Building $618,361 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Coastal | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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.
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 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 |
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