3963 Capitol Dr, Palm Harbor, FL 34685 Property Records

Pinellas County property record for 3963 Capitol Dr, Palm Harbor, FL 34685

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,240 sqft · built 1998
Lot Size	0.512 acres (22,311 sqft)
Owner	2 Individual Names on File
Last Sale	$601,000 (Oct 2015)
Tax Bill	$9,468 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-757-3639-7`

Property Details

APN / Parcel Number

Primary APN	`C62-000-757-3639-7`
Alternative APNs	`28-27-16-73091-000-1530` `271628730910001530` `162728730910001530` `R300343`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	3,240 sqft Living Area
Gross Area	4,122 sqft
1st Floor Area	3,240 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2003
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	22,311 sqft (0.512 acres)
Lot Dimensions	150 ft deep x 106 ft wide
View / Lot	Pond
Garage Type	Attached
Garage Area	614 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	268 sqft
Deck Area	240 sqft
Patio Area	240 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R300343
Street Address	3963 CAPITOL DR
City	PALM HARBOR
State	FL
Zip	34685-4019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD5
Legal Description	PRESIDENTS LANDING PHASE 5 LOT 153
Legal Range	16E
Legal Township	27S
Legal Section	28
Legal Subdivision	PRESIDENTS LANDING PHASE 5
Legal Phase	5
Legal Tract	73091
Legal Block	1
Legal Lot Number	153
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1012
Census Tract	27328

Owner

3963 Capitol Dr is owned and occupied by two individuals who bought it in October 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	3963 CAPITOL DR, PALM HARBOR, FL 34685-4019
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	2 Names on Deed
Last Sale	Oct 5, 2015 · Amount on File
Deed Sale	Oct 5, 2015 · Amount on File
Prior Sale	Dec 13, 1999 · Amount on File
Deed Document Number	2015286416
Deed Book / Page	18943 / 2344
Transfer Doc	9690001814
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	3963 CAPITOL DR, PALM HARBOR, FL 34685-4019
Document Number	0212651713
Instrument Date	Nov 13, 2020
Transaction Type	Mortgage
Record Updated	Dec 4, 2020
Title Company	TROPICAL TITLE INSURANCE LLC, TROPICAL TITLE INS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3963 CAPITOL DR PALM HARBOR FL 346854019, PALM HARBOR, FL 34685-4019

Mortgage

Document Number	0212651713
Date	Nov 20, 2020
Book Page	021265/001713
Instrument	351145

Lender

Name	HAMILTON HM LNS INC
Address	SUNRISE, FL 33323

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 19, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 3963 Capitol Dr was $9,468 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	$9,468.00 Homeowner's exemption	$558,867	$938,484 Land $197,773 Building $740,711
2023	$8,809.00 (+2.62%) Homeowner's exemption	$527,298 (+3%)	$876,461 (+39.13%) Land $284,988 Building $591,473
2022	$8,584.00 Homeowner's exemption	$511,940	$629,938 Land $181,757 Building $448,181

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

Flood

FEMA maps place 3963 Capitol Dr 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 247 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	247 in force

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 3963 Capitol Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 236 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