Pinellas County property record for 431 Cottage Ln, Dunedin, FL 34698
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,472 sqft · built 2012 |
| Lot Size | 0.051 acres (2,235 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $690,000 (Nov 2024) |
| Tax Bill | $10,791 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-001-028-3882-8 |
| Primary APN | C62-001-028-3882-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,472 sqft Living Area |
| Gross Area | 1,980 sqft |
| 1st Floor Area | 594 sqft |
| Upper Floors Area | 878 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 2,235 sqft (0.051 acres) |
| Lot Dimensions | 70 ft deep x 31 ft wide |
| Garage Type | Attached |
| Garage Area | 284 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 224 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R451024 |
|---|---|
| Street Address | 431 COTTAGE LN |
| City | DUNEDIN |
| State | FL |
| Zip | 34698-6954 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COTTAGES AT GLENCAIRN LOT 10 LESS THAT PART DESC IN O.R. 16913/2456 |
| Legal Range | 15E |
| Legal Township | 28S |
| Legal Section | 34 |
| Legal Subdivision | COTTAGES AT GLENCAIRN |
| Legal Tract | 18379 |
| Legal Block | 3 |
| Legal Lot Number | 10 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 27000 |
431 Cottage Ln is held in a trust since November 2024.
Source: Pinellas County records, as of September 14, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 10063 FOREST MEADOW CIR, FISHERS, IN 46040-4409 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 19, 2024 · Amount on File |
| Deed Sale | Nov 19, 2024 · Amount on File |
| Prior Sale | Mar 5, 2012 · Amount on File |
| Deed Document Number | 2024288523 |
| Deed Book / Page | 22979 / 140 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 431 Cottage Ln was $10,791.
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Municipality | Dunedin City |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,791.00 | $613,109 Land $193,908 Building $419,201 | $613,109 Land $193,908 Building $419,201 |
| 2023 | $4,139.00 (+2.88%) Homeowner's exemption | $277,734 (+3%) | $473,734 (+10.47%) Land $174,240 Building $299,494 |
| 2022 | $4,023.00 Homeowner's exemption | $269,645 | $428,838 Land $188,554 Building $240,284 |
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 431 Cottage Ln in Zone X, an area of minimal flood risk, though there have been 44 flood claims nearby since 1979.
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 151 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 335 units insured incl. 184 condo units |
| Nearby Flood Claims | 44 (1979–2024) |
| Claims Outside the SFHA | 4 of 44 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
The area around 431 Cottage Ln has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | DUNEDIN WATER SYSTEM serves 46,161 people · EPA ID FL6520486 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 2 ppb (2023) 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 | 32 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 556 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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