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3481 Carmichael St, Palm Harbor, FL 34684 Property Records

Pinellas County property record for 3481 Carmichael St, Palm Harbor, FL 34684

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,674 sqft · built 1984
Lot Size0.161 acres (6,996 sqft)
OwnerIndividual Name on Record
Last Sale$257,500 (Oct 2017)
Tax Bill$4,128 (2025)
Deeds & MortgagesDec 2021 Mortgage
Oct 2017 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNC62-000-758-4090-0

Property Details

APN / Parcel Number

Primary APNC62-000-758-4090-0
Alternative APNs
  • 05-28-16-38907-000-0260
  • 281605389070000260
  • 162805389070000260
  • R43085

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures7 Plumbing Fixtures
Stories1 Story
Building Area1,674 sqft Living Area
Gross Area2,304 sqft
1st Floor Area1,674 sqft
FlooringCarpet
Interior WallsComposition

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 2000
Architectural StyleCustom Design
Exterior MaterialBrick
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialOther
Lot Area6,996 sqft (0.161 acres)
Lot Dimensions100 ft deep x 70 ft wide
Garage TypeAttached
Garage Area480 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchPatio
Porch Area150 sqft
Deck Area100 sqft
Patio Area100 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR43085
Street Address3481 CARMICHAEL ST
CityPALM HARBOR
StateFL
Zip34684-3004
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRPD75
Legal DescriptionHIGHLAND LAKES UNIT FIFTEEN PHASE 2 LOT 26
Legal Range16E
Legal Township28S
Legal Section5
Legal SubdivisionHIGHLAND LAKES
Legal Phase2
Legal Tract38907
Legal Lot Number26
JurisdictionPINELLAS FL
Township / Civil DivisionTARPON SPRINGS
Census Block Group2
Census Block2007
Census Tract27331

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 RecordIndividual Name on Record
Mailing Address3481 CARMICHAEL ST, PALM HARBOR, FL 34684-3004
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 20, 2021Deed of Trust, Mortgage · Conventional Mortgage
JPMORGAN CHASE BANK NA
Oct 17, 2017Warranty Deed, Transfer · Conventional Mortgage
JPMORGAN CHASE BANK NA
Feb 28, 2017Warranty Deed, Transfer
BAXTER TITLE CORPORATION, BAXTER TITLE CORP

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 17, 2017 · Amount on Record
Deed SaleOct 17, 2017 · Amount on Record
Prior SaleFeb 28, 2017 · Amount on Record
Deed Document Number2017315683
Deed Book / Page19807 / 2450
Record UpdatedOct 29, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address3481 CARMICHAEL ST, PALM HARBOR, FL 34684-3004
Transaction TypeMortgage
Record UpdatedJan 6, 2022
Title CompanySTEWART TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3481 CARMICHAEL ST, PALM HARBOR, FL 34684-3004

Mortgage

Document Number0218580888
DateDec 20, 2021
Book Page21858/888
Instrument2021411585
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
AddressCOLUMBUS, OH 43240
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term301 Months
DueJan 1, 2047

October 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateOct 17, 2017
Property Address3481 CARMICHAEL ST, PALM HARBOR, FL 34684-3004
Document Number0198072450
Book / Page19807 / 2450
Map ReferenceMB87 PG47&48
Instrument DateOct 3, 2017
Instrument2017315683
Transaction TypeTransfer
Record UpdatedFeb 1, 2022
Title CompanyREPUBLIC LAND & TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,802.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1835 LAGO VISTA BLVD, 1835, PALM HARBOR, FL 34685-3334

Transferred To (Grantee/Buyer)

NameVerified Name
Address3481 CARMICHAEL ST, PALM HARBOR, FL 34684-3004

Mortgage

Document Number2017315684
DateOct 17, 2017
Instrument2017315684
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2047

February 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateFeb 28, 2017
Property Address3481 CARMICHAEL ST, PALM HARBOR, FL 34684-3004
Document Number0195350820
Book / Page019535 / 000820
Instrument DateFeb 28, 2017
Instrument63985
Transaction TypeTransfer
Record UpdatedMay 25, 2017
Title CompanyBAXTER TITLE CORPORATION, BAXTER TITLE CORP

Transaction

AmountAmount Recorded
Tax$1,358.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1835 LAGO VISTA BLVD PALM HARBOR FL 346853334, PALM HARBOR, FL 34685-3334

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,128.00 (+7.61%) Homeowner's exemption$260,900 (+5.99%)$378,046 (+21.68%) Land $89,740 Building $288,306
2023$3,836.00 (+3.01%) Homeowner's exemption$246,162 (+3%)$310,695 (+5.01%) Land $111,402 Building $199,293
2022$3,724.00 Homeowner's exemption$238,992$295,880 Land $138,998 Building $156,882

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 45 policies
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies45 in force
Nearby Flood Claims1 (2024)
Claims Outside the SFHA1 of 1
Most Recent ClaimOct 2024 · Hurricane Milton

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 RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemPINELLAS COUNTY UTILITIES
serves 506,353 people · EPA ID FL6521405
Water SourcePurchased surface water from several systems
Last State InspectionMar 2023
LeadUnder 1 ppb (2020)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting17
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 473 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
WOW Internet, Cable & Phone
Cable		1,200 / 50
Spectrum
Cable		1,000 / 1,000

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