396 Kentucky Ave, Crystal Beach, FL 34681 Property Records

Pinellas County property record for 396 Kentucky Ave, Crystal Beach, FL 34681

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 806 sqft · built 1957
Lot Size	0.136 acres (5,915 sqft)
Owner	2 Individual Names on Record
Last Sale	$396,000 (Aug 2023)
Tax Bill	$4,487 (2025)
Deeds & Mortgages	May 2026 Mortgage Aug 2023 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`C62-000-740-9857-5`

Property Details

APN / Parcel Number

Primary APN	`C62-000-740-9857-5`
Alternative APNs	`35-27-15-19872-012-0110` `271535198720120110` `152735198720120110` `R381960`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	806 sqft Living Area
Gross Area	848 sqft
1st Floor Area	806 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1957
Effective Year Built	Effective 2007
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,915 sqft (0.136 acres)
Lot Dimensions	118 ft deep x 50 ft wide

Exterior Amenities

Porch	Slab
Porch Area	42 sqft
Deck Area	144 sqft
Patio Area	144 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R381960
Street Address	396 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 11
Legal Range	15E
Legal Township	27S
Legal Section	35
Legal Subdivision	CRYSTAL BEACH REVISED
Legal Tract	19872
Legal Block	L
Legal Lot Number	11
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 14, 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	396 KENTUCKY AVE, CRYSTAL BEACH, FL 34681
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Aug 15, 2023	Warranty Deed, Transfer · FHA Mortgage LOWER LLC
Mar 26, 2018	Warranty Deed, Transfer REPUBLIC LAND AND TITLE INC
Feb 23, 2017	Warranty Deed, Transfer · Conventional Mortgage ACHIEVA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2023 · Amount on Record
Deed Sale	Aug 15, 2023 · Amount on Record
Prior Sale	Mar 26, 2018 · Amount on Record
Deed Document Number	2023211271
Deed Book / Page	22535 / 1137
Prior Transfer Date	May 10, 2016
Prior Transfer Doc	0191931638
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Recording Date	May 22, 2026
Property Address	396 KENTUCKY AVE, CRYSTAL BEACH, FL 34681
Document Number	0000138981
Book / Page	23568 / 1350
Instrument Date	Mar 31, 2026
Instrument	2026138981
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	396 KENTUCKY AVE, CRYSTAL BEACH, FL 34681

Mortgage

Document Number	0000138981,
Date	May 22, 2026
Book Page	23568/1350
Instrument	2026138981

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	479 Months
Due	Apr 1, 2066

Interest

Rate	6%
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Aug 15, 2023
Property Address	396 KENTUCKY AVE, CRYSTAL BEACH, FL 34681
Document Number	0225351137
Book / Page	22535 / 1137
Map Reference	MB 7 PG 30
Instrument Date	Aug 6, 2023
Instrument	2023211271
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,772.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3027 AUTUMN DR, PALM HARBOR, FL 34683-2104

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	396 KENTUCKY AVE, CRYSTAL BEACH, FL 34681

Mortgage

Document Number	0225351138
Date	Aug 15, 2023
Instrument	22535/1138

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Mar 26, 2018
Property Address	396 KENTUCKY AVE, CRYSTAL BEACH, FL 34681
Document Number	0199871750
Book / Page	019987 / 001750
Instrument Date	Mar 23, 2018
Instrument	91945
Transaction Type	Transfer
Record Updated	Apr 11, 2018
Title Company	REPUBLIC LAND AND TITLE INC

Transaction

Amount	Amount Recorded
Tax	$1,673.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	250 WARD PL SOUTH ORANGE NJ 070792123, SOUTH ORANGE, NJ 07079-2123

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Feb 23, 2017
Property Address	396 KENTUCKY AVE, CRYSTAL BEACH, FL 34681
Document Number	0195292556
Book / Page	019529 / 002556
Instrument Date	Feb 16, 2017
Instrument	58856
Transaction Type	Transfer
Record Updated	May 19, 2017
Title Company	INTERNATIONAL TITLE PARTNERS LLC, INTERNATIONAL TITLE PTRS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	396 KENTUCKY AVE CRYSTAL BEACH FL 34681, CRYSTAL BEACH, FL 34681

Mortgage

Document Number	195292558
Date	Feb 23, 2017
Book Page	019529/002558
Instrument	58857

Lender

Name	ACHIEVA CU
Type	Credit Union
Address	DUNEDIN, FL 34698

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 22, 2027

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	$4,487.00 (-8.34%)	$244,132 (-10.32%) Land $197,049 Building $47,083	$244,132 (-29.13%) Land $197,049 Building $47,083
2024	$4,895.00 (+16.11%)
2023	$4,216.00 (+2.9%) Homeowner's exemption	$272,239 (+3%)	$344,488 (+30.33%) Land $239,019 Building $105,469
2022	$4,097.00 Homeowner's exemption	$264,310	$264,310 Land $181,982 Building $82,328

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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