4792 Ridgemoor Cir, Palm Harbor, FL 34685 Property Records

Pinellas County property record for 4792 Ridgemoor Cir, Palm Harbor, FL 34685

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,564 sqft · built 1997
Lot Size	0.245 acres (10,650 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Nov 2020)
Tax Bill	$5,283 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Feb 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-757-1704-1`

Property Details

APN / Parcel Number

Primary APN	`C62-000-757-1704-1`
Alternative APNs	`23-27-16-18728-000-1640` `271623187280001640` `162723187280001640` `R245772`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,564 sqft Living Area
Gross Area	2,990 sqft
1st Floor Area	2,564 sqft
Flooring	Carpet

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,650 sqft (0.245 acres)
Lot Dimensions	149 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	26 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R245772
Street Address	4792 RIDGEMOOR CIR
City	PALM HARBOR
State	FL
Zip	34685-3149
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD251
Legal Description	COVENTRY VILLAGE PHASE II-B LOT 164
Legal Range	16E
Legal Township	27S
Legal Section	23
Legal Subdivision	COVENTRY VILLAGE
Legal Phase	II-B
Legal Tract	18728
Legal Lot Number	164
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1012
Census Tract	27332

Owner

Source: Pinellas County records, as of September 17, 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 File
Mailing Address	4792 RIDGEMOOR CIR, PALM HARBOR, FL 34685-3149
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2023	Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK & TRUST CO
Feb 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Nov 17, 2020	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2020 · Amount on File
Deed Sale	Nov 17, 2020 · Amount on File
Prior Sale	Feb 28, 2005 · Amount on File
Deed Document Number	2020344101
Deed Book / Page	21256 / 2490
Prior Transfer Date	Jul 16, 2004
Prior Transfer Doc	0000318385
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4792 RIDGEMOOR CIR, PALM HARBOR, FL 34685-3149
Transaction Type	Mortgage
Record Updated	Jan 31, 2023
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4792 RIDGEMOOR CIR, PALM HARBOR, FL 34685-3149

Mortgage

Document Number	0223101610
Date	Jan 9, 2023
Book Page	22310/1610
Instrument	2023005128

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Dec 27, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4792 RIDGEMOOR CIR, PALM HARBOR, FL 34685-3149
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0199480037
Date	Feb 20, 2018
Book Page	19948/0037
Instrument	2018053187

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Nov 17, 2020
Property Address	4792 RIDGEMOOR CIR, PALM HARBOR, FL 34685-3149
Document Number	0212562490
Book / Page	21256 / 2490
Map Reference	MB 114 PG 56-59
Instrument Date	Nov 2, 2020
Instrument	2020344101
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4792 RIDGEMOOR CIR, 4792, PALM HARBOR, FL 34685-3149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4792 RIDGEMOOR CIR, PALM HARBOR, FL 34685-3149

Mortgage

Document Number	0212562492
Date	Nov 17, 2020
Instrument	21256/2492

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4792 RIDGEMOOR CIR, PALM HARBOR, FL 34685-3149
Document Number	0210280638
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Jun 29, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4795 RIDGEMOOR CIR PALM HARBOR FL 346853150, PALM HARBOR, FL 34685-3150

Mortgage

Document Number	0210280638
Date	Jun 8, 2020
Book Page	021028/000638
Instrument	171193

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 7, 2050

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	$5,283.00 (+7.62%) Homeowner's exemption	$327,052 (+5.99%)	$622,581 (+9.91%) Land $179,372 Building $443,209
2023	$4,909.00 (+2.85%) Homeowner's exemption	$308,578 (+3%)	$566,422 (+16.92%) Land $219,319 Building $347,103
2022	$4,773.00 Homeowner's exemption	$299,590	$484,464 Land $216,593 Building $267,871

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 minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 318 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	318 in force
Nearby Flood Claims	5 (2022–2024)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 3 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	High above 76% of the US · above 63% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 225 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 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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