446 Swalecliff Close, Palm Harbor, FL 34683 Property Records

Pinellas County property record for 446 Swalecliff Close, Palm Harbor, FL 34683

Property Summary

Property Type	Planned Unit Development
Details	1,085 sqft · built 1986
Lot Size	0.062 acres (2,703 sqft)
Owner	2 Individual Names on Record
Last Sale	$183,000 (Oct 2018)
Tax Bill	$1,880 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`C62-000-741-5378-4`

Property Details

APN / Parcel Number

Primary APN	`C62-000-741-5378-4`
Alternative APNs	`11-28-15-20355-000-1170` `281511203550001170` `152811203550001170` `R119749`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,085 sqft Living Area
1st Floor Area	1,085 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1993
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Lot Area	2,703 sqft (0.062 acres)
Lot Dimensions	117 ft deep x 2 ft wide
View / Lot	Interior
Garage Type	Attached
Parking Spaces	1 Parking Space
Porch	Patio

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	R119749
Street Address	446 SWALECLIFF CLOSE
City	PALM HARBOR
State	FL
Zip	34683-6034
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	RPD5
Legal Description	DAVENTRY SQUARE UNIT 6 LOT 117
Legal Range	15E
Legal Township	28S
Legal Section	11
Legal Subdivision	DAVENTRY SQUARE UNIT 6
Legal Tract	20355
Legal Lot Number	117
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	2
Census Block	2008
Census Tract	27210

Owner

Source: Pinellas County records, as of September 10, 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	446 SWALECLIFF CLOSE, PALM HARBOR, FL 34683-6034
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage STOCKTON MORTGAGE CORP
Jul 1, 2019	Deed of Trust, Mortgage · Conventional with PMI USAA
Oct 18, 2018	Warranty Deed, Transfer · Conventional Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2018 · Amount on Record
Deed Sale	Oct 18, 2018 · Amount on Record
Deed Document Number	2018334376
Deed Book / Page	20302 / 54
Last Transfer Date	Apr 2, 2025
Transfer Doc	0231391909
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	446 SWALECLIFF CLOSE, PALM HARBOR, FL 34683-6034
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 SWALECLIFF CLOSE, PALM HARBOR, FL 34683-6034

Mortgage

Document Number	0213000871
Date	Dec 15, 2020
Book Page	21300/871
Instrument	2020377022

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	446 SWALECLIFF CLOSE, PALM HARBOR, FL 34683-6034
Document Number	0206110298
Instrument Date	Jul 1, 2019
Transaction Type	Mortgage
Record Updated	Jul 25, 2019
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 SWALECLIFF CLOSE PALM HARBOR FL 346836034, PALM HARBOR, FL 34683-6034

Mortgage

Document Number	0206110298
Date	Jul 12, 2019
Book Page	020611/000298
Instrument	219826

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 18, 2018
Property Address	446 SWALECLIFF CLOSE, PALM HARBOR, FL 34683-6034
Document Number	0203020054
Book / Page	020302 / 000054
Instrument Date	Oct 15, 2018
Instrument	334376
Transaction Type	Transfer
Record Updated	Oct 31, 2018
Title Company	EQUITY NATIONAL TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,281.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 SWALECLIFF CLOSE PALM HARBOR FL 346836034, PALM HARBOR, FL 34683-6034

Mortgage

Document Number	203020056
Date	Oct 18, 2018
Book Page	020302/000056
Instrument	334377

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 2048

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	$1,880.00 (+6.64%)	$138,516 (+5.99%)	$246,245 (+3.88%) Building $246,245
2024	$1,763.00 (+2.5%)
2023	$1,720.00 (+3.8%) Homeowner's exemption	$130,691 (+3%)	$237,055 (+21.45%) Building $237,055
2022	$1,657.00 Homeowner's exemption	$126,884	$195,185 Building $195,185

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 61 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	61 in force
Nearby Flood Claims	8 (2017–2024)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims Hurricane Helene, Sep 2024 · 5 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 Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 340 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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