5265 E Bay Dr, Apt 220, Clearwater, FL 33764 Property Records

Pinellas County property record for 5265 E Bay Dr, Apt 220, Clearwater, FL 33764

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 900 sqft · built 1982
Lot Size	0.573 acres (24,960 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Jun 2021)
Tax Bill	$2,183 (2025)
Deeds & Mortgages	Jun 2021 Sale Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-764-1301-2`

Property Details

APN / Parcel Number

Primary APN	`C62-000-764-1301-2`
Alternative APNs	`31-29-16-03631-002-0220` `291631036310020220` `162931036310020220` `R343079`

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	24,960 sqft (0.573 acres)
View / Lot	Corner
Garage Type	Carport
Carport	Carport
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	R343079
Street Address	5265 E BAY DR, 220
City	CLEARWATER
State	FL
Zip	33764-6845
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	BAY OAKS CONDO PHASE 4 BLDG 2, UNIT 220
Legal Range	16E
Legal Township	29S
Legal Section	31
Legal Subdivision	BAY OAKS CONDO
Legal Phase	4
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 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	5265 E BAY DR, 220, CLEARWATER, FL 33764-6845
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2021	Warranty Deed, Transfer CAPSTONE TITLE LLC
Dec 12, 2019	Warranty Deed, Transfer · FHA Mortgage NATIONS LNDG
Aug 4, 2017	Warranty Deed, Transfer · Conventional Mortgage AMALGAMATED BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2021 · Amount on Record
Deed Sale	Jun 4, 2021 · Amount on Record
Prior Sale	Dec 12, 2019 · Amount on Record
Deed Document Number	2021186055
Deed Book / Page	21567 / 2493
Transfer Doc	9135000476
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jun 4, 2021
Property Address	5265 E BAY DR APT 220, 220, CLEARWATER, FL 33764-6845
Document Number	0215672493
Book / Page	21567 / 2493
Map Reference	MB 5306 PG 5
Instrument Date	May 28, 2021
Instrument	2021186055
Transaction Type	Transfer
Record Updated	Jun 24, 2021
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11601 4TH ST N # N4710, 11601, ST PETERSBURG, FL 33716-2740

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5265 E BAY DR APT 220, 220, CLEARWATER, FL 33764-6845

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Dec 12, 2019
Property Address	5265 E BAY DR APT 220, 220, CLEARWATER, FL 33764-6845
Document Number	0208042342
Book / Page	020804 / 002342
Instrument Date	Nov 27, 2019
Instrument	396301
Transaction Type	Transfer
Record Updated	Jan 2, 2020
Title Company	STAR TITLE PARTNERS/PALM HARBOR, STAR TITLE PTRS/PALM HARBOR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$917.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5265 E BAY DR #220 CLEARWATER FL 337646845, 220, CLEARWATER, FL 33764-6845

Mortgage

Document Number	208042345
Date	Dec 12, 2019
Book Page	020804/002345
Instrument	396302

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 11, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Aug 4, 2017
Property Address	5265 E BAY DR APT 220, 220, CLEARWATER, FL 33764-6845
Document Number	0197311031
Book / Page	19731 / 1031
Map Reference	MB5306 PG5
Instrument Date	Aug 4, 2017
Instrument	2017244584
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	HOMESTEAD TITLE OF PINELLAS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$770.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1050 STARKEY RD UNIT 2704, 1050, LARGO, FL 33771-5477

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5265 E BAY DR APT 220, 220, CLEARWATER, FL 33764-6845

Mortgage

Document Number	2017244585
Date	Aug 4, 2017
Instrument	2017244585

Lender

Name	AMALGAMATED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

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	$2,183.00 (+6.23%) Homeowner's exemption	$157,201 (+5.99%)	$176,482 (-7.14%) Building $176,482
2024	$2,055.00 (+2.39%)
2023	$2,007.00 (+3.61%) Homeowner's exemption	$148,321 (+3%)	$190,049 (+31.98%) Building $190,049
2022	$1,937.00 Homeowner's exemption	$144,001	$144,001 Building $144,001

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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