Pinellas County property record for 449 Richmond St, Dunedin, FL 34698
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,244 sqft · built 2019 |
| Lot Size | 0.136 acres (5,920 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $1,150,000 (Sep 2024) |
| Tax Bill | $7,323 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Feb 2018 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-743-3797-3 |
| Primary APN | C62-000-743-3797-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,244 sqft Living Area |
| Gross Area | 3,341 sqft |
| 1st Floor Area | 1,542 sqft |
| Upper Floors Area | 702 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Custom Design |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 5,920 sqft (0.136 acres) |
| Lot Dimensions | 110 ft deep x 54 ft wide |
| Garage Type | Attached |
| Garage Area | 579 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 518 sqft |
| Deck Area | 546 sqft |
| Patio Area | 546 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R372896 |
|---|---|
| Street Address | 449 RICHMOND ST |
| City | DUNEDIN |
| State | FL |
| Zip | 34698-7935 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VIRGINIA PARK BLK D, LOT 11 |
| Legal Range | 15E |
| Legal Township | 28S |
| Legal Section | 34 |
| Legal Subdivision | VIRGINIA PARK |
| Legal Tract | 94446 |
| Legal Block | D |
| Legal Lot Number | 11 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 27000 |
Source: Pinellas County records, as of September 17, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 449 RICHMOND ST, DUNEDIN, FL 34698-7935 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Jul 30, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Feb 13, 2018 | Deed of Trust, Mortgage · ARM CENTENNIAL BANK |
| Jun 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Jul 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Jul 23, 2019 | Loan Modification, Mortgage CENTENNIAL BK |
| Sep 1, 2017 | Warranty Deed, Transfer · Commercial Mortgage CENTENNIAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 4, 2024 · Amount on Record |
| Deed Sale | Sep 4, 2024 · Amount on Record |
| Prior Sale | Sep 1, 2017 · Amount on Record |
| Deed Document Number | 2024223387 |
| Deed Book / Page | 22911 / 1646 |
| Prior Transfer Date | May 28, 1993 |
| Prior Transfer Doc | 8304001433 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Jul 30, 2026 |
| Property Address | 449 RICHMOND ST, DUNEDIN, FL 34698-7935 |
| Document Number | 0000204513 |
| Book / Page | 23645 / 1948 |
| Instrument Date | Jul 29, 2026 |
| Instrument | 2026204513 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 449 RICHMOND ST, DUNEDIN, FL 34698-7935 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 449 RICHMOND ST, DUNEDIN, FL 34698-7935 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0199410512 |
|---|---|
| Date | Feb 13, 2018 |
| Book Page | 19941/0512 |
| Instrument | 2018046277 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.25% |
| Type Change Date | Jan 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 6.5% |
| Index | 1-Year LIBOR |
| Max Rate | 9.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 449 RICHMOND ST, DUNEDIN, FL 34698-7935 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0210210659 |
|---|---|
| Date | Jun 2, 2020 |
| Book Page | 21021/659 |
| Instrument | 2020166119 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 449 RICHMOND ST, DUNEDIN, FL 34698-7935 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 449 RICHMOND ST, DUNEDIN, FL 34698-7935 |
| Document Number | 0216201141 |
|---|---|
| Date | Jul 12, 2021 |
| Book Page | 21620/1141 |
| Instrument | 2021226719 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 177 Months |
| Due | Apr 1, 2036 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 449 RICHMOND ST, DUNEDIN, FL 34698-7935 |
| Document Number | 0206271587 |
| Instrument Date | Jul 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 449 RICHMOND ST DUNEDIN FL 346987935, DUNEDIN, FL 34698-7935 |
| Document Number | 0206271587 |
|---|---|
| Date | Jul 25, 2019 |
| Book Page | 020627/001587 |
| Instrument | 234769 |
| Name | CENTENNIAL BK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Sep 1, 2017 |
| Property Address | 449 RICHMOND ST, DUNEDIN, FL 34698-7935 |
| Document Number | 0197640525 |
| Book / Page | 19764 / 0525 |
| Map Reference | MB14 PG9 |
| Instrument Date | Aug 31, 2017 |
| Instrument | 2017275110 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | SECURITY TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,225.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3023 ALT 19101B, 3023, PALM HARBOR, FL 34683 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 750, DUNEDIN, FL 34697-0750 |
| Document Number | 2017275111 |
|---|---|
| Date | Sep 1, 2017 |
| Instrument | 2017275111 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 23 Months |
| Due | Aug 30, 2019 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $7,323.00 (+21.02%) | $462,599 (+19.59%) | $772,028 (+12.56%) Land $252,499 Building $519,529 |
| 2023 | $6,051.00 (+2.7%) Homeowner's exemption | $386,831 (+3%) | $685,855 (+32.75%) Land $262,373 Building $423,482 |
| 2022 | $5,892.00 Homeowner's exemption | $375,564 | $516,664 Land $208,579 Building $308,085 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record median of 42 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 42 in force |
| Nearby Flood Claims | 25 (1978–2024) |
| Claims Outside the SFHA | 9 of 25 |
| Most Recent Claim | Nov 2024 · other causes |
| 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 | 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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