405 11th St, Palm Harbor, FL 34683 Property Records

Pinellas County property record for 405 11th St, Palm Harbor, FL 34683

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,247 sqft · built 2005
Lot Size	0.147 acres (6,412 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (May 2021)
Tax Bill	$7,286 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-779-9091-9`

Property Details

APN / Parcel Number

Primary APN	`C62-000-779-9091-9`
Alternative APNs	`01-28-15-88560-148-0017` `281501885601480017` `R411887`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,247 sqft Living Area
Gross Area	4,542 sqft
1st Floor Area	1,200 sqft
Upper Floors Area	1,047 sqft
Basement Area	1,103 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,412 sqft (0.147 acres)
Lot Dimensions	85 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	928 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	312 sqft
Deck Area	112 sqft
Patio Area	112 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R411887
Street Address	405 11TH ST
City	PALM HARBOR
State	FL
Zip	34683-4410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	SUTHERLAND, TOWN OF S 85FT OF E 75FT OF BLK 148 (MAP S-02-28-15)
Legal Range	15E
Legal Township	28S
Legal Section	1
Legal Subdivision	SUTHERLAND, TOWN OF
Legal Tract	88560
Legal Block	148
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	3
Census Block	3003
Census Tract	27207

Owner

405 11th St is owned and occupied by two individuals who bought it in May 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	405 11TH ST, PALM HARBOR, FL 34683-4410
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	May 13, 2021 · Amount on File
Deed Sale	May 13, 2021 · Amount on File
Prior Sale	Apr 28, 2015 · Amount on File
Deed Document Number	2021161283
Deed Book / Page	21536 / 225
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	May 13, 2021
Property Address	405 11TH ST, PALM HARBOR, FL 34683-4410
Document Number	0215360225
Book / Page	21536 / 225
Map Reference	MB 1 PG 1
Instrument Date	May 7, 2021
Instrument	2021161283
Transaction Type	Transfer
Record Updated	May 31, 2021
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,395.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10700 JOHNSON BLVD STE 1, 10700, SEMINOLE, FL 33772-4875

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 11TH ST, PALM HARBOR, FL 34683-4410

Mortgage

Document Number	0215360227
Date	May 13, 2021
Book Page	21536/227
Instrument	2021161284

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 405 11th St was $7,286 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	$7,286.00 Homeowner's exemption	$437,988	$731,805 Land $150,265 Building $581,540
2023	$6,799.00 (+2.69%) Homeowner's exemption	$413,247 (+3%)	$563,308 (+9.88%) Land $157,641 Building $405,667
2022	$6,621.00 Homeowner's exemption	$401,211	$512,664 Land $166,466 Building $346,198

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

Flood

FEMA maps place 405 11th St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1995.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 34 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	34 in force
Nearby Flood Claims	4 (1995–2024)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Sep 2024 · Hurricane Helene

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 405 11th St 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 99.1% of the US · lower than 98.7% 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 331 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20