Pinellas County property record for 520 Sandy Hook Rd, Palm Harbor, FL 34683
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,976 sqft · built 1977 |
| Lot Size | 0.269 acres (11,696 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $398,000 (Oct 2020) |
| Tax Bill | $4,738 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-741-1790-4 |
| Primary APN | C62-000-741-1790-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,976 sqft Living Area |
| Gross Area | 2,790 sqft |
| 1st Floor Area | 1,976 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Custom Design |
| Exterior Material | Brick/Concrete Block Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 11,696 sqft (0.269 acres) |
| Lot Dimensions | 130 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 486 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 328 sqft |
| Deck Area | 260 sqft |
| Patio Area | 260 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R391429 |
|---|---|
| Street Address | 520 SANDY HOOK RD |
| City | PALM HARBOR |
| State | FL |
| Zip | 34683-3727 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD5 |
| Legal Description | WESTLAKE VILLAGE BLK 16, LOT 9 |
| Legal Range | 15E |
| Legal Township | 27S |
| Legal Section | 36 |
| Legal Subdivision | WESTLAKE VILLAGE |
| Legal Tract | 96579 |
| Legal Block | 16 |
| Legal Lot Number | 9 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 27206 |
Source: Pinellas County records, as of October 20, 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 | 520 SANDY HOOK RD, PALM HARBOR, FL 34683-3727 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 30, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Oct 22, 2020 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 2020 · Amount on Record |
| Deed Sale | Oct 22, 2020 · Amount on Record |
| Prior Sale | Mar 31, 1998 · Amount on Record |
| Deed Document Number | 2020317169 |
| Deed Book / Page | 21221 / 263 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 520 SANDY HOOK RD, PALM HARBOR, FL 34683-3727 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TROPICAL TITLE INSURANCE LLC |
| Name | Verified Name |
|---|
| Document Number | 0198211674 |
|---|---|
| Date | Oct 30, 2017 |
| Book Page | 19821/1674 |
| Instrument | 2017329138 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Address | PEWAUKEE, WI 53072 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Oct 22, 2020 |
| Property Address | 520 SANDY HOOK RD, PALM HARBOR, FL 34683-3727 |
| Document Number | 0212210263 |
| Book / Page | 21221 / 263 |
| Map Reference | MB 71 PG 64-72 |
| Instrument Date | Oct 15, 2020 |
| Instrument | 2020317169 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | TROPICAL TITLE INSURANCE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,786.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 401 SOMERSET LN, 401, PALM HARBOR, FL 34684-3318 |
| Name | Verified Name |
|---|---|
| Address | 520 SANDY HOOK RD, PALM HARBOR, FL 34683-3727 |
| Document Number | 0021221265 |
|---|---|
| Date | Oct 22, 2020 |
| Instrument | 21221/265 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
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 | $4,738.00 (+5.78%) Homeowner's exemption | $296,830 (+5.99%) | $476,897 (+4.35%) Land $156,353 Building $320,544 |
| 2024 | $4,479.00 (+1.68%) | ||
| 2023 | $4,405.00 (+2.9%) Homeowner's exemption | $280,063 (+3%) | $457,012 (+16.17%) Land $196,879 Building $260,133 |
| 2022 | $4,281.00 Homeowner's exemption | $271,906 | $393,413 Land $195,485 Building $197,928 |
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 X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% 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.
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 |
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