Pinellas County property record for 446 78th Ave, Saint Pete Beach, FL 33706
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 986 sqft · built 1948 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $260,000 (Apr 2018) |
| Tax Bill | $4,317 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Apr 2018 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | C62-000-756-1626-8 |
| Primary APN | C62-000-756-1626-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 986 sqft Living Area |
| Gross Area | 995 sqft |
| 1st Floor Area | 986 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | L-Shape |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 5,001 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 143 sqft |
| Deck Area | 649 sqft |
| Patio Area | 649 sqft |
| Shed | 1 Shed |
| Shed Area | 2 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R401309 |
|---|---|
| Street Address | 446 78TH AVE |
| City | ST PETE BEACH |
| State | FL |
| Zip | 33706-1712 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORTH UNIT NO. 1 BLK 77, LOT 23 |
| Legal Range | 15E |
| Legal Township | 31S |
| Legal Section | 36 |
| Legal Subdivision | NORTH UNIT NO. 1 |
| Legal Tract | 61524 |
| Legal Block | 77 |
| Legal Lot Number | 23 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | ST. PETE BEACH |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 28004 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 446 78TH AVE, ST PETE BEACH, FL 33706-1712 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BAY CAPITAL MORTGAGE CORP |
| Apr 2, 2018 | Corporation Deed, Transfer · Conventional Mortgage SUNTRUST MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 2, 2018 · Amount on Record |
| Deed Sale | Apr 2, 2018 · Amount on Record |
| Prior Sale | Dec 16, 2015 · Amount on Record |
| Deed Document Number | 201899908 |
| Deed Book / Page | 19995 / 2096 |
| Transfer Doc | 1058001262 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 446 78TH AVE, ST PETE BEACH, FL 33706-1712 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3200 HEWITT CT, DUNKIRK, MD 20754-3042 |
| Document Number | 0214272246 |
|---|---|
| Date | Mar 10, 2021 |
| Book Page | 21427/2246 |
| Instrument | 2021078056 |
| Name | BAY CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ANNAPOLIS, MD 21401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Corporation Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Apr 2, 2018 |
| Property Address | 446 78TH AVE, ST PETE BEACH, FL 33706-1712 |
| Document Number | 0199952096 |
| Book / Page | 19995 / 2096 |
| Map Reference | MB21 PG27 |
| Instrument Date | Mar 21, 2018 |
| Instrument | 2018099908 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | GOLD SERVICE TITLE INS AGCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,820.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13191 STARKEY RD STE 9, 13191, LARGO, FL 33773-1438 |
| Name | Verified Name |
|---|---|
| Address | 3200 HEWITT CT, DUNKIRK, MD 20754-3042 |
| Document Number | 2018099909 |
|---|---|
| Date | Apr 2, 2018 |
| Instrument | 2018099909 |
| Name | SUNTRUST MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2048 |
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Municipality | St. Pete Beach City |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,317.00 (-19.11%) | $261,163 (-32.35%) Land $203,392 Building $57,771 | $261,163 (-32.35%) Land $203,392 Building $57,771 |
| 2023 | $5,337.00 (+13.31%) | $386,044 (+22.06%) | $386,044 (+22.06%) Land $312,626 Building $73,418 |
| 2022 | $4,710.00 | $316,266 | $316,266 Land $258,222 Building $58,044 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 161 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 193 units insured incl. 32 condo units |
| Nearby Flood Claims | 265 (1979–2025) |
| Most Recent Claim | Aug 2025 · rainfall accumulation |
| 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.
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 366 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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