394 Kentucky Ave, Crystal Beach, FL 34681 Property Records

Pinellas County property record for 394 Kentucky Ave, Crystal Beach, FL 34681

Property Summary

Property Type	Single Family Home
Details	1 ba · 906 sqft · built 1957
Lot Size	0.138 acres (5,994 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,000 (Jan 2019)
Tax Bill	$2,146 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Dec 2021 Mortgage + 5 more
Flood Zone	Zone AE (high risk)
APN	`C62-000-740-9856-7`

Property Details

APN / Parcel Number

Primary APN	`C62-000-740-9856-7`
Alternative APNs	`35-27-15-19872-012-0100` `271535198720120100` `152735198720120100` `R381959`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	906 sqft Living Area
Gross Area	1,051 sqft
1st Floor Area	906 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 2004
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,994 sqft (0.138 acres)
Lot Dimensions	118 ft deep x 50 ft wide

Exterior Amenities

Porch	Screened/Unfinished Porch
Porch Area	145 sqft
Shed	1 Shed
Shed Area	160 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R381959
Street Address	394 KENTUCKY AVE
City	CRYSTAL BEACH
State	FL
Zip	34681
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	CRYSTAL BEACH REVISED BLK L, LOT 10
Legal Range	15E
Legal Township	27S
Legal Section	35
Legal Subdivision	CRYSTAL BEACH REVISED
Legal Tract	19872
Legal Block	L
Legal Lot Number	10
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	5
Census Block	5013
Census Tract	27202

Owner

Source: Pinellas County records, as of September 3, 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	394 KENTUCKY AVE, CRYSTAL BEACH, FL 34681
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Deed of Trust, Mortgage · Line of Credit PNC BANK
Dec 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 19, 2019	Deed of Trust, Mortgage PARKSIDE LNDG
Jun 20, 2019	Quit Claim Deed, Transfer MERIDIAN NATIONAL TITLE, MERIDIAN NAT'L TITLE
Jan 17, 2019	Warranty Deed, Transfer · Conventional Mortgage INNOVATIVE MORTGAGE SERVICES
Jan 17, 2019	Correction Deed OTHER
Nov 6, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2019 · Amount on Record
Deed Sale	Jan 17, 2019 · Amount on Record
Prior Sale	Nov 6, 2018 · Amount on Record
Deed Document Number	201918641
Deed Book / Page	20400 / 1592
Last Transfer Date	Apr 2, 2019
Transfer Doc	0205860395
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Recording Date	Aug 21, 2026
Property Address	394 KENTUCKY AVE, CRYSTAL BEACH, FL 34681
Document Number	0000225471
Book / Page	23669 / 2621
Instrument Date	Aug 12, 2026
Instrument	2026225471
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	394 KENTUCKY AVE, CRYSTAL BEACH, FL 34681

Mortgage

Document Number	0000225471,
Date	Aug 21, 2026
Book Page	23669/2621
Instrument	2026225471

Lender

Name	PNC BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Aug 28, 2066

Interest

Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	394 KENTUCKY AVE, CRYSTAL BEACH, FL 34681
Transaction Type	Mortgage
Record Updated	Jan 18, 2022
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGE TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	394 KENTUCKY AVE, CRYSTAL BEACH, FL 34681

Mortgage

Document Number	0218711896
Date	Dec 30, 2021
Book Page	21871/1896
Instrument	2021421567

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	394 KENTUCKY AVE, CRYSTAL BEACH, FL 34681
Document Number	0208210852
Instrument Date	Dec 19, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	394 KENTUCKY AVE CRYSTAL BEACH FL 34681, CRYSTAL BEACH, FL 34681

Mortgage

Document Number	0208210852
Date	Dec 24, 2019
Book Page	020821/000852
Instrument	409964

Lender

Name	PARKSIDE LNDG
Address	SAN FRANCISCO, CA 94102

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 23, 2049

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINELLAS FL
Recording Date	Jun 20, 2019
Property Address	394 KENTUCKY AVE, CRYSTAL BEACH, FL 34681
Document Number	0205860395
Book / Page	020586 / 000395
Instrument Date	Apr 2, 2019
Instrument	197024
Transaction Type	Transfer
Record Updated	Jul 10, 2019
Title Company	MERIDIAN NATIONAL TITLE, MERIDIAN NAT'L TITLE

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	394 KENTUCKY AVE CRYSTAL BEACH FL 34681, CRYSTAL BEACH, FL 34681

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jan 17, 2019
Property Address	394 KENTUCKY AVE, CRYSTAL BEACH, FL 34681
Document Number	0204001592
Book / Page	20400 / 1592
Map Reference	MB 7 PG 30
Instrument Date	Dec 27, 2018
Instrument	2019018641
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,673.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	452 WEXFORD LEAS BLVD, 452, PALM HARBOR, FL 34683-6136

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	394 KENTUCKY AVE, CRYSTAL BEACH, FL 34681

Mortgage

Document Number	2019018642
Date	Jan 17, 2019
Instrument	2019018642

Lender

Name	INNOVATIVE MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

January 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	PINELLAS FL
Recording Date	Jan 17, 2019
Property Address	394 KENTUCKY AVE, CRYSTAL BEACH, FL 34681
Document Number	0204001586
Book / Page	020400 / 001586
Instrument Date	Dec 8, 2018
Instrument	18639
Record Updated	Feb 7, 2019
Title Company	OTHER

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	394 KENTUCKY AVE CRYSTAL BEACH FL 34681, CRYSTAL BEACH, FL 34681

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINELLAS FL
Recording Date	Nov 6, 2018
Property Address	394 KENTUCKY AVE, CRYSTAL BEACH, FL 34681
Document Number	0203260806
Book / Page	020326 / 000806
Instrument Date	Nov 5, 2018
Instrument	357500
Transaction Type	Transfer
Record Updated	Nov 22, 2018

Transaction

Amount	Amount Recorded
Tax	$822.50
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	452 WEXFORD PALM HARBOR FL, PALM HARBOR, FL

Tax Assessment & Valuation

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	$2,146.00 (-25.25%) Homeowner's exemption	$156,191 (-19.65%)	$247,124 (-26.56%) Land $197,972 Building $49,152
2024	$2,871.00 (+1.95%)
2023	$2,816.00 (+3.19%) Homeowner's exemption	$194,391 (+3%)	$336,511 (+28.2%) Land $232,390 Building $104,121
2022	$2,729.00 Homeowner's exemption	$188,729	$262,487 Land $179,972 Building $82,515

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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 249 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	249 in force
Nearby Flood Claims	503 (1980–2024)
Claims Outside the SFHA	3 of 503
Most Recent Claim	Dec 2024 · other causes
Claims by Event	Hurricane Helene, Sep 2024 · 197 claims Hurricane Idalia, Aug 2023 · 32 claims Tropical Storm Josephine, Oct 1996 · 48 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

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

Wildfire Risk	Not rated no burnable land within 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 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 520 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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