Pinellas County property record for 445 Timber Ln, Palm Harbor, FL 34683
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,786 sqft · built 1979 |
| Lot Size | 0.294 acres (12,811 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $368,000 (Jun 2017) |
| Tax Bill | $5,919 (2025) |
| Deeds & Mortgages | Nov 2019 Mortgage Jun 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-741-1760-7 |
| Primary APN | C62-000-741-1760-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,786 sqft Living Area |
| Gross Area | 3,488 sqft |
| 1st Floor Area | 2,786 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 12,811 sqft (0.294 acres) |
| Lot Dimensions | 145 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 450 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 252 sqft |
| Deck Area | 290 sqft |
| Patio Area | 290 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R391399 |
|---|---|
| Street Address | 445 TIMBER LN |
| City | PALM HARBOR |
| State | FL |
| Zip | 34683-3737 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD5 |
| Legal Description | WESTLAKE VILLAGE BLK 15, LOT 5 |
| Legal Range | 15E |
| Legal Township | 27S |
| Legal Section | 36 |
| Legal Subdivision | WESTLAKE VILLAGE |
| Legal Tract | 96579 |
| Legal Block | 15 |
| Legal Lot Number | 5 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 27206 |
445 Timber Ln is owned and occupied by two individuals who bought it in June 2017.
Source: Pinellas County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 445 TIMBER LN, PALM HARBOR, FL 34683-3737 |
| 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.
| Date | Document |
|---|---|
| Nov 12, 2019 | Deed of Trust, Mortgage · VA Mortgage STEARNS LENDING LLC |
| Jun 13, 2017 | Warranty Deed, Transfer · VA Mortgage STEARNS LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 13, 2017 · Amount on File |
| Deed Sale | Jun 13, 2017 · Amount on File |
| Deed Document Number | 2017183956 |
| Deed Book / Page | 19665 / 1385 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 445 TIMBER LN, PALM HARBOR, FL 34683-3737 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0207672143 |
|---|---|
| Date | Nov 12, 2019 |
| Book Page | 20767/2143 |
| Instrument | 2019363669 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | SANTA ANA, CA 92707 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Jun 13, 2017 |
| Property Address | 445 TIMBER LN, PALM HARBOR, FL 34683-3737 |
| Document Number | 0196651385 |
| Book / Page | 019665 / 001385 |
| Instrument Date | Jun 9, 2017 |
| Instrument | 183956 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2017 |
| Title Company | FIRST TITLE SOURCE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,576.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 445 TIMBER LN PALM HARBOR FL 346833737, PALM HARBOR, FL 34683-3737 |
| Document Number | 196651387 |
|---|---|
| Date | Jun 13, 2017 |
| Book Page | 019665/001387 |
| Instrument | 183957 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707-8788 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 12, 2047 |
The 2025 property tax bill for 445 Timber Ln was $5,919 with a homeowner's exemption.
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,919.00 Homeowner's exemption | $362,236 | $552,005 Land $160,230 Building $391,775 |
| 2023 | $5,514.00 (+2.78%) Homeowner's exemption | $341,774 (+3%) | $520,159 (+15.56%) Land $204,443 Building $315,716 |
| 2022 | $5,365.00 Homeowner's exemption | $331,819 | $450,138 Land $207,149 Building $242,989 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 445 Timber Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1981.
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 81 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 81 in force |
| Nearby Flood Claims | 2 (1981–2016) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2016 |
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 445 Timber 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 | 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 |
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.
Source: FCC Broadband Data Collection, based on 226 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures