3540 Florian Ter, Palm Harbor, FL 34685 Property Records

Pinellas County property record for 3540 Florian Ter, Palm Harbor, FL 34685

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,964 sqft · built 1994
Lot Size	0.371 acres (16,139 sqft)
Owner	Individual Name on File
Last Sale	$890,000 (Mar 2022)
Tax Bill	$14,234 (2025)
Deeds & Mortgages	Mar 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`C62-000-757-3691-8`

Property Details

APN / Parcel Number

Primary APN	`C62-000-757-3691-8`
Alternative APNs	`29-27-16-43526-000-0140` `271629435260000140` `162729435260000140` `R310199`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,964 sqft Living Area
Gross Area	3,956 sqft
1st Floor Area	2,964 sqft
Flooring	Carpet

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	16,139 sqft (0.371 acres)
Lot Dimensions	154 ft deep x 101 ft wide
Garage Type	Attached
Garage Area	618 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	359 sqft
Deck Area	460 sqft
Patio Area	460 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R310199
Street Address	3540 FLORIAN TER
City	PALM HARBOR
State	FL
Zip	34685-2663
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD5
Legal Description	IVY RIDGE PHASE 1 LOT 14
Legal Range	16E
Legal Township	27S
Legal Section	29
Legal Subdivision	IVY RIDGE PHASE 1
Legal Phase	1
Legal Tract	43526
Legal Lot Number	14
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	2
Census Block	2014
Census Tract	27328

Owner

3540 Florian Ter is owned and occupied by an individual who bought it in March 2022.

Source: Pinellas County records, as of September 10, 2026

Owner of Record	Individual Name on File
Mailing Address	3540 FLORIAN TER, PALM HARBOR, FL 34685-2663
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2022 · Amount on File
Deed Sale	Mar 10, 2022 · Amount on File
Prior Sale	Apr 26, 1994 · Amount on File
Deed Document Number	202276785
Deed Book / Page	21970 / 1577
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Mar 10, 2022
Property Address	3540 FLORIAN TER, PALM HARBOR, FL 34685-2663
Document Number	0219701577
Book / Page	21970 / 1577
Map Reference	MB 110 PG 2-5
Instrument Date	Mar 8, 2022
Instrument	2022076785
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$6,230.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10113 MILANO DR, 10113, TRINITY, FL 34655-4681

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3540 FLORLAN TERRACE, PALM HARBOR, FL 34685-2663

Tax Assessment & Valuation

The 2025 property tax bill for 3540 Florian Ter was $14,234 with a homeowner's exemption.

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	$14,234.00 Homeowner's exemption	$813,237	$823,715 Land $129,184 Building $694,531
2023	$13,750.00 (+109.32%)	$750,867 (+92.25%)	$750,867 (+22.07%) Land $190,632 Building $560,235
2022	$6,569.00 Homeowner's exemption	$390,570	$615,123 Land $197,858 Building $417,265

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 3540 Florian Ter 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 133 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	5 (2024–2025)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Mar 2025 · other causes
Claims by Event	Hurricane Debby, Aug 2024 · 2 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

Wildfire risk around 3540 Florian Ter is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 87% 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 106 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 / 35