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4035 Bluff Oak Ct, Palm Harbor, FL 34684 Property Records

Pinellas County property record for 4035 Bluff Oak Ct, Palm Harbor, FL 34684

Property Summary

Property TypePlanned Unit Development
Details1,120 sqft · built 1984
OwnerIndividual Name on File
Tax Bill$661 (2025)
Deeds & MortgagesFeb 2017 Mortgage
Flood ZoneZone A (high risk)
APNC62-000-759-0407-8

Property Details

APN / Parcel Number

Primary APNC62-000-759-0407-8
Alternative APNs
  • 08-28-16-85563-000-1640
  • 162808855630001640
  • R86526

Interior

Stories1 Story
Building Area1,120 sqft Heated Area
1st Floor Area1,120 sqft

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1991
Exterior MaterialWood
Construction TypeFrame
View / LotAverage

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account NumberR86526
Old Parcel Number162808855630001640
Street Address4035 BLUFF OAK CT
CityPALM HARBOR
StateFL
Zip34684-3604
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Planned Unit Development
Legal DescriptionSTRATHMORE GATE EAST UNIT THREE LOT 164
Legal Range16
Legal Township28
Legal Section08
Legal SubdivisionSTRATHMORE GATE EAST
Legal Lot Number164
JurisdictionPINELLAS FL
Township / Civil DivisionTARPON SPRINGS
Census Block Group2
Census Block2019
Census Tract27314

Owner

4035 Bluff Oak Ct, a planned unit development, is owned and occupied by an individual who acquired it in August 2002.

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

Owner of RecordIndividual Name on File
Mailing Address4035 BLUFF OAK CT, PALM HARBOR, FL 34684-3604
OccupancyOwner Occupied
Owner TypeIndividual

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 NamesName on Deed
Last SaleAug 1, 2002
Deed SaleAug 1, 2002
Prior SaleMar 22, 2002 · Amount on File
Deed Document Number1213701236
Deed Book / Page11905 / 00287
Record UpdatedJun 8, 2026

February 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address4035 BLUFF OAK CT, PALM HARBOR, FL 34684-3604
Document Number0195282667
Book / Page019528 / 002667
Instrument DateFeb 14, 2017
Transaction TypeMortgage
Record UpdatedMay 17, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
Address4035 BLUFF OAK CT PALM HARBOR FL 346843604, PALM HARBOR, FL 34684-3604

Mortgage

Document Number0195282667
DateFeb 22, 2017
Book Page019528/002667
Instrument57739
Lender
NameTHIRD FED'L S&L/CLEVELAND
TypeFederal Savings Bank
AddressCLEVELAND, OH 44105
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueFeb 21, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 4035 Bluff Oak Ct was $661 with exemptions applied.

Source: Pinellas County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyPinellas County
Unified School DistrictPinellas County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$661.00 Homeowner's exemption Senior Citizen's exemption$70,491$199,412 Building $199,412
2023$616.00 (-6.1%) Homeowner's exemption Senior Citizen's exemption$66,509 (+3%)$213,394 (+19.11%) Building $213,394
2022$656.00 Homeowner's exemption$64,572$179,164 Building $179,164

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

Flood

FEMA maps place 4035 Bluff Oak Ct in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone A
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 91 policies
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies91 in force
Nearby Flood Claims8 (2009–2024)
Claims Outside the SFHA8 of 8
Most Recent ClaimOct 2024 · Hurricane Milton

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 4035 Bluff Oak Ct is low, with a 0.04% annual chance of wildfire.

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

Wildfire RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.04% annual chance
ExposureDirect
burnable vegetation

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 SystemPINELLAS COUNTY UTILITIES
serves 506,353 people · EPA ID FL6521405
Water SourcePurchased surface water from several systems
Last State InspectionMar 2023
LeadUnder 1 ppb (2020)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting17
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 473 locations within half a mile, as of December 31, 2025

ProviderMax 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

May also be available: T-Mobile.

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