5265 E Bay Dr, Apt 122, Clearwater, FL 33764 Property Records

Pinellas County property record for 5265 E Bay Dr, Apt 122, Clearwater, FL 33764

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 900 sqft · built 1982
Lot Size	3.66 acres (159,484 sqft)
Owner	Individual Name on Record
Last Sale	$176,800 (Sep 2026)
Tax Bill	$2,802 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`C62-000-764-1293-1`

Property Details

APN / Parcel Number

Primary APN	`C62-000-764-1293-1`
Alternative APNs	`31-29-16-03631-001-0122` `291631036310010122` `162931036310010122` `R343071`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Units	120 Units
Stories	1 Story
Building Area	900 sqft Living Area
1st Floor Area	900 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1989
Architectural Style	Condo/Apartment
Exterior Material	Brick/Stone
Construction Type	Wood
Lot Area	159,484 sqft (3.66 acres)
View / Lot	Interior
Garage Type	Carport
Carport	Carport
Porch	Patio

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	R343071
Street Address	5265 E BAY DR, 122
City	CLEARWATER
State	FL
Zip	33764-6847
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	BAY OAKS CONDO PHASE 1 BLDG 1, UNIT 122
Legal Range	16E
Legal Township	29S
Legal Section	31
Legal Subdivision	BAY OAKS CONDO
Legal Phase	1
Legal Tract	3631
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1002
Census Tract	25415

Owner

Source: Pinellas County records, as of October 13, 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	Individual Name on Record
Mailing Address	5265 E BAY DR, 122, CLEARWATER, FL 33764-6847
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Sep 27, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2026 · Amount on Record
Deed Sale	Sep 21, 2026 · Amount on Record
Prior Sale	Mar 3, 2016 · Amount on Record
Deed Document Number	2026251244
Deed Book / Page	23698 / 2103
Prior Transfer Date	Mar 2, 2016
Prior Transfer Doc	0191040790
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 21, 2026
Property Address	5265 E BAY DR, 122, CLEARWATER, FL 33764-6847
Document Number	0000251244
Book / Page	23698 / 2103
Instrument Date	Sep 17, 2026
Instrument	2026251244
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	LEGACY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$124,997.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5265 E BAY DR, 122, CLEARWATER, FL 33764-6847

Mortgage

Document Number	0000251245,
Date	Sep 21, 2026
Book Page	23698/2105
Instrument	2026251245

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000251246,
Date	Sep 21, 2026
Book Page	23698/2130
Instrument	2026251246

Lender

Agreement

Amount	Amount Recorded

Interest

Max Rate	-1%

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 27, 2018
Property Address	5265 E BAY DR APT 122, 122, CLEARWATER, FL 33764-6847
Document Number	0202211954
Book / Page	020221 / 001954
Instrument Date	Sep 20, 2018
Instrument	311119
Transaction Type	Transfer
Record Updated	Nov 22, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	113 ESKER RD HAMPTON NH 038422348, HAMPTON, NH 03842-2348

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Municipality	Largo City
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,802.00 (+3.24%)	$153,291 (-7.01%) Building $153,291	$153,291 (-7.01%) Building $153,291
2024	$2,714.00 (+7.23%)
2023	$2,531.00 (+16.05%)	$164,839 (+29.32%)	$164,839 (+29.32%) Building $164,839
2022	$2,181.00	$127,466	$127,466 Building $127,466

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	7 (2024)
Claims Outside the SFHA	7 of 7
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 5 claims Hurricane Debby, Aug 2024 · 2 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Verizon, WOW Internet, Cable & Phone.

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