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440 Klosterman Rd W, Palm Harbor, FL 34683 Property Records

Pinellas County property record for 440 Klosterman Rd W, Palm Harbor, FL 34683

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,378 sqft · built 1986
Lot Size0.31 acres (13,486 sqft)
OwnerIndividual Name on File
Last Sale$310,000 (Oct 2018)
Tax Bill$6,489 (2025)
Deeds & MortgagesAug 2023 Mortgage
Oct 2018 Sale & Mortgage
Flood ZoneZone AE (high risk)
APNC62-000-740-5846-2

Property Details

APN / Parcel Number

Primary APNC62-000-740-5846-2
Alternative APNs
  • 23-27-15-09420-000-0520
  • 271523094200000520
  • 152723094200000520
  • R244479

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures7 Plumbing Fixtures
Stories1 Story
Building Area1,378 sqft Living Area
Gross Area2,010 sqft
1st Floor Area1,378 sqft
FlooringCarpet
Interior WallsComposition
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1999
Architectural StyleCustom Design
Exterior MaterialCombination
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialOther
Lot Area13,486 sqft (0.31 acres)
Lot Dimensions102 ft deep x 80 ft wide
View / LotCanal/Waterfront
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchPatio
Porch Area212 sqft
Deck Area486 sqft
Patio Area400 sqft
Loading Dock160 sqft
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ
Boat AccessBoat Access
Boat LiftBoat Lift

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR244479
Street Address440 KLOSTERMAN RD W
CityPALM HARBOR
StateFL
Zip34683-1112
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR3
Legal DescriptionBLUE JAY WOODLANDS- PHASE 1 LOT 52
Legal Range15E
Legal Township27S
Legal Section23
Legal SubdivisionBLUE JAY WOODLANDS-
Legal Phase1
Legal Tract9420
Legal Lot Number52
JurisdictionPINELLAS FL
Township / Civil DivisionTARPON SPRINGS
Census Block Group3
Census Block3000
Census Tract27202

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on File
Mailing Address440 KLOSTERMAN RD W, PALM HARBOR, FL 34683-1112
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 28, 2023Deed of Trust, Mortgage · SBA Mortgage
BANK OF AMERICA NA
Oct 26, 2018Warranty Deed, Transfer · FHA Mortgage
FIRST HOME BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 26, 2018 · Amount on File
Deed SaleOct 26, 2018 · Amount on File
Deed Document Number2018344718
Deed Book / Page20312 / 1395
Prior Transfer DateAug 28, 2006
Prior Transfer Doc0153551128
Record UpdatedOct 29, 2026

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address440 KLOSTERMAN RD W, PALM HARBOR, FL 34683-1112
Transaction TypeMortgage
Record UpdatedSep 12, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address440 KLOSTERMAN RD W, PALM HARBOR, FL 34683-1112
InvestorPossibly a Property Investor

Mortgage

Document Number0225481139
DateAug 28, 2023
Book Page22548/1139
Instrument2023222921
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeSBA Mortgage
AmountAmount on Record

October 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateOct 26, 2018
Property Address440 KLOSTERMAN RD W, PALM HARBOR, FL 34683-1112
Document Number0203121395
Book / Page20312 / 1395
Map ReferenceMB 79 PG 42
Instrument DateOct 25, 2018
Instrument2018344718
Transaction TypeTransfer
Record UpdatedFeb 1, 2022
Title CompanyASSURE TITLE LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,170.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2734 TUSCARORA CT, 2734, MELBOURNE, FL 32904-8093

Transferred To (Grantee/Buyer)

NameVerified Name
Address440 KIOSTERMAN RD W, PALM HARBOR, FL 34683-1112
InvestorPossibly a Property Investor

Mortgage

Document Number2018344719
DateOct 26, 2018
Instrument2018344719
Lender
NameFIRST HOME BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2048

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of December 2, 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$6,489.00 (+5.58%) Homeowner's exemption$391,277 (+5.99%)$523,457 (+12.67%) Land $194,869 Building $328,588
2024$6,146.00 (+1.47%)
2023$6,057.00 (+22.34%) Homeowner's exemption$369,175 (+20.57%)$464,594 (+4.98%) Land $222,703 Building $241,891
2022$4,951.00 Homeowner's exemption$306,188$442,537 Land $294,354 Building $148,183

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 446 individual policies
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies540 units insured
incl. 94 condo units
Nearby Flood Claims399 (1985–2024)
Claims Outside the SFHA3 of 399
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 6 claims
  • Hurricane Helene, Sep 2024 · 248 claims
  • Hurricane Idalia, Aug 2023 · 7 claims

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 RiskNot rated
no burnable land 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 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 524 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 · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

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