5265 E Bay Dr, Apt 315, Clearwater, FL 33764 Property Records

Pinellas County property record for 5265 E Bay Dr, Apt 315, Clearwater, FL 33764

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 900 sqft · built 1982
Lot Size	0.4 acres (17,405 sqft)
Owner	Individual Name on File
Last Sale	$219,800 (Sep 2023)
Tax Bill	$2,240 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-764-1311-1`

Property Details

APN / Parcel Number

Primary APN	`C62-000-764-1311-1`
Alternative APNs	`31-29-16-03631-003-0315` `291631036310030315` `162931036310030315` `R343089`

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
Media Room	Media Room

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1989
Architectural Style	Condo/Apartment
Exterior Material	Brick/Stone
Construction Type	Wood
Lot Area	17,405 sqft (0.4 acres)
View / Lot	Corner
Garage Type	Carport
Carport	Carport
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	R343089
Street Address	5265 E BAY DR, 315
City	CLEARWATER
State	FL
Zip	33764-6842
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	BAY OAKS CONDO PHASE 5 BLDG 3, UNIT 315
Legal Range	16E
Legal Township	29S
Legal Section	31
Legal Subdivision	BAY OAKS CONDO
Legal Phase	5
Legal Tract	3631
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1002
Census Tract	25415

Owner

5265 E Bay Dr, Apt 315 is owned and occupied by an individual who bought it in September 2023.

Source: Pinellas County records, as of September 10, 2026

Owner of Record	Individual Name on File
Mailing Address	14946 113TH AVE, LARGO, FL 33774-4324
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2023	Deed of Trust, Mortgage · Line of Credit CMG MORTGAGE INC
Sep 6, 2023	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2023 · Amount on File
Deed Sale	Sep 6, 2023 · Amount on File
Prior Sale	Sep 5, 2013 · Amount on File
Deed Document Number	2023229252
Deed Book / Page	22555 / 1198
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	5265 E BAY DR APT 315, 315, CLEARWATER, FL 33764-6842
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5265 E BAY DR 315, 315, CLEARWATER, FL 33764-6842

Mortgage

Document Number	0226071864
Date	Oct 27, 2023
Book Page	22607/1864
Instrument	2023276866

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 6, 2023
Property Address	5265 E BAY DR APT 315, 315, CLEARWATER, FL 33764-6842
Document Number	0225551198
Book / Page	22555 / 1198
Map Reference	MB 58 PG 41-44
Instrument Date	Aug 28, 2023
Instrument	2023229252
Transaction Type	Transfer
Record Updated	Sep 15, 2023
Title Company	REPUBLIC LAND AND TITLE INC, REPUBLIC LAND & TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,538.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16 WOODBURY ST, BEVERLY, MA 01915-4744

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14946 113TH AVE, LARGO, FL 33774-4324

Mortgage

Document Number	0225551200
Date	Sep 6, 2023
Instrument	22555/1200

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 5265 E Bay Dr, Apt 315 was $2,240 with a homeowner's exemption.

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	$2,240.00 Homeowner's exemption	$160,199 Building $160,199	$160,199 Building $160,199
2023	$2,378.00 (+16.86%)	$172,298 (+29.33%)	$172,298 (+29.33%) Building $172,298
2022	$2,035.00	$133,222	$133,222 Building $133,222

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5265 E Bay Dr, Apt 315 in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2024.

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 File 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

Wildfire risk around 5265 E Bay Dr, Apt 315 is low, with less than a 0.01% annual chance of 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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