Pinellas County property record for 3985 Capitol Dr, Palm Harbor, FL 34685
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,981 sqft · built 1996 |
| Lot Size | 0.543 acres (23,662 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,125,000 (Oct 2025) |
| Tax Bill | $10,176 (2025) |
| Deeds & Mortgages | May 2024 Line of Credit Oct 2025 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-757-3638-9 |
| Primary APN | C62-000-757-3638-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,981 sqft Living Area |
| Gross Area | 5,135 sqft |
| 1st Floor Area | 3,981 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Custom Design |
| Exterior Material | Brick/Concrete Block Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 23,662 sqft (0.543 acres) |
| Lot Dimensions | 150 ft deep x 106 ft wide |
| View / Lot | Pond |
| Garage Type | Attached |
| Garage Area | 714 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 428 sqft |
| Deck Area | 300 sqft |
| Patio Area | 300 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R300342 |
|---|---|
| Street Address | 3985 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 152 |
| Legal Range | 16E |
| Legal Township | 27S |
| Legal Section | 28 |
| Legal Subdivision | PRESIDENTS LANDING PHASE 5 |
| Legal Phase | 5 |
| Legal Tract | 73091 |
| Legal Lot Number | 152 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 27328 |
3985 Capitol Dr is owned and occupied by two individuals who bought it in October 2025.
Source: Pinellas County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3985 CAPITOL DR, PALM HARBOR, FL 34685-4019 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 24, 2024 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Oct 3, 2025 | Warranty Deed, Transfer WOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA WIKLE TTL INS AGCY |
| Apr 6, 2017 | Warranty Deed, Transfer · Conventional Mortgage NFM LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 3, 2025 · Amount on File |
| Deed Sale | Oct 3, 2025 · Amount on File |
| Prior Sale | Apr 6, 2017 · Amount on File |
| Deed Document Number | 2025282769 |
| Deed Book / Page | 23315 / 2233 |
| Transfer Doc | 9320001323 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 3985 CAPITOL DR, PALM HARBOR, FL 34685-4019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3985 CAPITOL DR, PALM HARBOR, FL 34685-4019 |
| Document Number | 0228110428 |
|---|---|
| Date | May 24, 2024 |
| Book Page | 22811/428 |
| Instrument | 2024134565 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 14, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Oct 3, 2025 |
| Property Address | 3985 CAPITOL DR, PALM HARBOR, FL 34685-4019 |
| Document Number | 0233152233 |
| Book / Page | 23315 / 2233 |
| Map Reference | MB 113 PG 5 |
| Instrument Date | Sep 29, 2025 |
| Instrument | 2025282769 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2025 |
| Title Company | WOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA WIKLE TTL INS AGCY |
| Amount | Amount on Record |
|---|---|
| Tax | $7,875.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 609 SALT LAKE DR, TARPON SPRINGS, FL 34689-5261 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3985 CAPITOL DR, PALM HARBOR, FL 34685-4019 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Apr 6, 2017 |
| Property Address | 3985 CAPITOL DR, PALM HARBOR, FL 34685-4019 |
| Document Number | 0195810920 |
| Book / Page | 019581 / 000920 |
| Instrument Date | Apr 3, 2017 |
| Instrument | 106841 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2017 |
| Title Company | REPUBLIC LAND AND TITLE INC, REPUBLIC LAND & TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,690.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3985 CAPITOL DR PALM HARBOR FL 346854019, PALM HARBOR, FL 34685-4019 |
| Document Number | 195810922 |
|---|---|
| Date | Apr 6, 2017 |
| Book Page | 019581/000922 |
| Instrument | 106842 |
| Name | NFM LNDG |
|---|---|
| Address | LINTHICUM, MD 21090 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 5, 2047 |
The 2025 property tax bill for 3985 Capitol Dr was $10,176, up 5.5% from the year before.
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,176.00 (+5.53%) | $588,477 (+2.9%) | $980,679 (+4.64%) Land $192,686 Building $787,993 |
| 2024 | $9,643.00 (+2.25%) Homeowner's exemption | $571,892 (+3%) | $937,213 (+4.04%) Land $228,160 Building $709,053 |
| 2023 | $9,431.00 (+2.7%) Homeowner's exemption | $555,235 (+3%) | $900,781 (+36.88%) Land $274,015 Building $626,766 |
| 2022 | $9,183.00 Homeowner's exemption Widower's exemption | $539,063 | $658,097 Land $177,508 Building $480,589 |
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.
FEMA maps place 3985 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 A, 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 risk around 3985 Capitol Dr is moderate, ranking above 42% 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 42% of the US · lower than 86% 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.
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 |
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.
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 |
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