3530 Cayman Ct, Palm Harbor, FL 34684 Property Records

Pinellas County property record for 3530 Cayman Ct, Palm Harbor, FL 34684

Property Summary

Property Type	Planned Unit Development
Details	2 bd · 2 ba · 1,325 sqft · built 1991
Lot Size	0.112 acres (4,883 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Nov 2023)
Tax Bill	$5,863 (2025)
Deeds & Mortgages	Nov 2023 Sale Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-758-4848-1`

Property Details

APN / Parcel Number

Primary APN	`C62-000-758-4848-1`
Alternative APNs	`05-28-16-38935-000-0070` `281605389350000070` `R43842`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,325 sqft Living Area
1st Floor Area	1,325 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1997
Exterior Material	Brick/Stone
Construction Type	Wood
Lot Area	4,883 sqft (0.112 acres)
View / Lot	Corner
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	R43842
Street Address	3530 CAYMAN CT
City	PALM HARBOR
State	FL
Zip	34684-2468
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	RPD75
Legal Description	HIGHLAND LAKES UNIT 280 LOT 7
Legal Range	16E
Legal Township	28S
Legal Section	5
Legal Subdivision	HIGHLAND LAKES UNIT 280
Legal Tract	38935
Legal Lot Number	7
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	2
Census Block	2003
Census Tract	27314

Owner

3530 Cayman Ct, a planned unit development, is owned and occupied by two individuals who bought it in November 2023.

Source: Pinellas County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1676 CALEDONIA DR, PALM HARBOR, FL 34684-2309
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 27, 2023	Personal Representative Deed, Transfer EXECUTIVE TITLE SERVICES/FL INC, EXECUTIVE TTL SVCS OF FL INC
Oct 21, 2021	Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP
Nov 28, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2023 · Amount on File
Deed Sale	Nov 27, 2023 · Amount on File
Prior Sale	Oct 21, 2021 · Amount on File
Deed Document Number	2023299773
Deed Book / Page	22632 / 1248
Transfer Doc	9938002428
Record Updated	Oct 29, 2026

November 2023: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	PINELLAS FL
Recording Date	Nov 27, 2023
Property Address	3530 CAYMAN CT, PALM HARBOR, FL 34684-2468
Document Number	0226321248
Book / Page	22632 / 1248
Map Reference	MB 106 PG 37
Instrument Date	Nov 17, 2023
Instrument	2023299773
Transaction Type	Transfer
Record Updated	Dec 11, 2023
Title Company	EXECUTIVE TITLE SERVICES/FL INC, EXECUTIVE TTL SVCS OF FL INC

Transaction

Amount	Amount on Record
Tax	$2,870.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6191 BAKER SCHOOL RD, TRAFFORD, PA 15085-2327

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1676 CALEDONIA DR, PALM HARBOR, FL 34684-2309

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 21, 2021
Property Address	3530 CAYMAN CT, PALM HARBOR, FL 34684-2468
Document Number	0217711827
Book / Page	21771 / 1827
Map Reference	MB 106 PG 37&38
Instrument Date	Oct 13, 2021
Instrument	2021344754
Transaction Type	Transfer
Record Updated	Nov 1, 2021
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,256.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	532 MCKIRKLAND CT, 532, CARY, NC 27511-6720

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3530 CAYMAN CT, PALM HARBOR, FL 34684-2468

Mortgage

Document Number	217711828
Date	Oct 21, 2021
Instrument	21771/1828

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINELLAS FL
Recording Date	Nov 28, 2017
Property Address	3530 CAYMAN CT, PALM HARBOR, FL 34684-2468
Document Number	0198540640
Book / Page	019854 / 000640
Instrument Date	Nov 17, 2017
Instrument	360729
Transaction Type	Transfer
Record Updated	Dec 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3530 CAYMAN CT PALM HARBOR FL 346842468, PALM HARBOR, FL 34684-2468

Tax Assessment & Valuation

The 2025 property tax bill for 3530 Cayman Ct was $5,863 with exemptions applied, down 0.1% from the year before.

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	$5,863.00 (-0.12%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$369,934 Building $369,934	$369,934 Building $369,934
2024	$5,870.00 (+4,751.24%)
2023	$121.00 (+3.42%) Homeowner's exemption	$186,678 (+3%)	$363,809 (+22.36%) Building $363,809
2022	$117.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$181,241	$297,318 Building $297,318

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

FEMA maps place 3530 Cayman Ct in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2009.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 91 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	91 in force
Nearby Flood Claims	8 (2009–2024)
Claims Outside the SFHA	8 of 8
Most Recent Claim	Oct 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

Wildfire risk around 3530 Cayman Ct is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 347 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

Cell Coverage

5G (outdoors only) and 4G LTE

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