3684 Windber Blvd, Palm Harbor, FL 34685 Property Records

Pinellas County property record for 3684 Windber Blvd, Palm Harbor, FL 34685

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,537 sqft · built 1987
Lot Size	0.291 acres (12,676 sqft)
Owner	2 Individual Names on File
Last Sale	$174,000 (Oct 1992)
Tax Bill	$4,220 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Mar 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`C62-000-757-2357-7`

Property Details

APN / Parcel Number

Primary APN	`C62-000-757-2357-7`
Alternative APNs	`26-27-16-96589-000-0320` `162726965890000320` `R281074`

Interior

Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,537 sqft Heated Area
1st Floor Area	2,537 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1996
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,676 sqft (0.291 acres)
Lot Dimensions	130 ft deep x 90 ft wide
View / Lot	Park
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	534 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R281074
Old Parcel Number	162726965890000320
Street Address	3684 WINDBER BLVD
City	PALM HARBOR
State	FL
Zip	34685-1131
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTMONTE ESTATES LOT 32
Legal Range	16
Legal Township	27
Legal Section	26
Legal Subdivision	WESTMONTE ESTATES
Legal Lot Number	32
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1003
Census Tract	27332

Owner

3684 Windber Blvd is owned and occupied by two individuals who bought it in October 1992.

Source: Pinellas County records, as of December 26, 2025

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	3684 WINDBER BLVD, PALM HARBOR, FL 34685-1131
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

Date	Document
Jul 6, 2017	Deed of Trust, Mortgage · Commercial Mortgage HANCOCK BANK
Mar 20, 2020	Loan Modification, Mortgage · Line of Credit HANCOCK WHITNEY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 1992 · Amount on File
Deed Sale	Oct 2, 1992 · Amount on File
Deed Document Number	0080491760
Record Updated	Jun 8, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	3684 WINDBER BLVD, PALM HARBOR, FL 34685-1131
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0196922542
Date	Jul 6, 2017
Book Page	19692/2542
Instrument	2017208685

Lender

Name	HANCOCK BANK
Type	Bank
Address	CLEARWATER, FL 33761

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PINELLAS FL
Property Address	3684 WINDBER BLVD, PALM HARBOR, FL 34685-1131
Document Number	0209542291
Instrument Date	Mar 20, 2020
Transaction Type	Mortgage
Record Updated	May 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3684 WINDBER BLVD PALM HARBOR FL 346851131, PALM HARBOR, FL 34685-1131

Mortgage

Document Number	0209542291
Date	Apr 7, 2020
Book Page	020954/002291
Instrument	115220

Lender

Name	HANCOCK WHITNEY BK
Address	CLEARWATER, FL 33761

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 6, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3684 Windber Blvd was $4,220 with a homeowner's exemption.

Source: Pinellas County assessment roll, as of July 1, 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	$4,220.00 Homeowner's exemption	$268,150	$588,514 Land $110,445 Building $478,069
2023	$3,911.00 (+2.95%) Homeowner's exemption	$253,003 (+3%)	$500,191 (+8.88%) Land $123,248 Building $376,943
2022	$3,799.00 Homeowner's exemption	$245,634	$459,379 Land $158,681 Building $300,698

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

Flood

FEMA maps place 3684 Windber Blvd 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 318 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	318 in force
Nearby Flood Claims	5 (2022–2024)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 3 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 3684 Windber Blvd is high, ranking above 71% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 71% of the US · above 53% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 101 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

Cell Coverage

5G (outdoors only) and 4G LTE

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