4148 Boyd Ln, Palm Harbor, FL 34685 Property Records

Pinellas County property record for 4148 Boyd Ln, Palm Harbor, FL 34685

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,196 sqft · built 1992
Lot Size	0.24 acres (10,433 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Oct 1995)
Tax Bill	$3,684 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Apr 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-758-2110-8`

Property Details

APN / Parcel Number

Primary APN	`C62-000-758-2110-8`
Alternative APNs	`04-28-16-10321-000-0810` `281604103210000810` `162804103210000810` `R31676`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,196 sqft Living Area
Gross Area	2,858 sqft
1st Floor Area	2,196 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2003
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,433 sqft (0.24 acres)
Lot Dimensions	131 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	102 sqft
Deck Area	250 sqft
Patio Area	250 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R31676
Street Address	4148 BOYD LN
City	PALM HARBOR
State	FL
Zip	34685-3319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD5
Legal Description	BOOT RANCH - EAGLE TRACE PHASE A LOT 81
Legal Range	16E
Legal Township	28S
Legal Section	4
Legal Subdivision	BOOT RANCH - EAGLE TRACE
Legal Phase	A
Legal Tract	10321
Legal Lot Number	81
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1008
Census Tract	27323

Owner

Source: Pinellas County records, as of June 2, 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	4148 BOYD LN, PALM HARBOR, FL 34685-3319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2024	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Apr 5, 2019	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND
Aug 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 1995 · Amount on Record
Deed Sale	Oct 4, 1995 · Amount on Record
Deed Book / Page	9125 / 1801
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4148 BOYD LN, PALM HARBOR, FL 34685-3319
Transaction Type	Mortgage
Record Updated	Feb 12, 2024
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0226870979
Date	Jan 25, 2024
Book Page	22687/979
Instrument	2024020013

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4148 BOYD LN, PALM HARBOR, FL 34685-3319
Document Number	0205290677
Instrument Date	Apr 5, 2019
Transaction Type	Mortgage
Record Updated	May 24, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4148 BOYD LN PALM HARBOR FL 346853319, PALM HARBOR, FL 34685-3319

Mortgage

Document Number	0205290677
Date	May 7, 2019
Book Page	020529/000677
Instrument	143127

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2049

Interest

Rate Type	Adjustable Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4148 BOYD LN, PALM HARBOR, FL 34685-3319
Document Number	0197790075
Book / Page	019779 / 000075
Instrument Date	Aug 26, 2017
Transaction Type	Mortgage
Record Updated	Oct 11, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4148 BOYD LN PALM HARBOR FL 346853319, PALM HARBOR, FL 34685-3319

Mortgage

Document Number	0197790075
Date	Sep 21, 2017
Book Page	019779/000075
Instrument	289556

Lender

Name	THIRD FED'L S&L/CLEVELAND
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 20, 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	$3,684.00 (+8.07%) Homeowner's exemption	$238,463 (+5.99%)	$549,226 (+27.47%) Land $162,080 Building $387,146
2023	$3,409.00 (+3.05%) Homeowner's exemption	$224,992 (+3%)	$430,862 (+0.06%) Land $156,297 Building $274,565
2022	$3,308.00 Homeowner's exemption	$218,439	$430,607 Land $155,294 Building $275,313

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 73 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	73 in force
Nearby Flood Claims	2 (2017–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect 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 351 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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