5265 E Bay Dr, Apt 421, Clearwater, FL 33764 Property Records

Pinellas County property record for 5265 E Bay Dr, Apt 421, Clearwater, FL 33764

Property Summary

Property Type	Condominium
Details	670 sqft · built 1983
Lot Size	0.55 acres (23,959 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Jun 2023)
Tax Bill	$2,494 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Aug 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-764-1324-4`

Property Details

APN / Parcel Number

Primary APN	`C62-000-764-1324-4`
Alternative APNs	`31-29-16-03631-004-0421` `291631036310040421` `162931036310040421` `R343102`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Units	120 Units
Stories	1 Story
Building Area	670 sqft Living Area
1st Floor Area	670 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1990
Architectural Style	Condo/Apartment
Exterior Material	Brick/Stone
Construction Type	Wood
Lot Area	23,959 sqft (0.55 acres)
View / Lot	Interior
Garage Type	Carport
Carport	Carport
Porch	Patio

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	R343102
Street Address	5265 E BAY DR, 421
City	CLEARWATER
State	FL
Zip	33764-6840
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	BAY OAKS CONDO PHASE 10 BLDG 4, UNIT 421
Legal Range	16E
Legal Township	29S
Legal Section	31
Legal Subdivision	BAY OAKS CONDO
Legal Phase	10
Legal Tract	3631
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1003
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	Individual Name on Record
Mailing Address	5265 E BAY DR, 421, CLEARWATER, FL 33764-6840
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2023	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 3, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Feb 6, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Sep 12, 2019	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC
Feb 22, 2018	Warranty Deed, Transfer GREENLEAF TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2023 · Amount on Record
Deed Sale	Jun 16, 2023 · Amount on Record
Prior Sale	Sep 12, 2019 · Amount on Record
Deed Document Number	2023157895
Deed Book / Page	22476 / 1762
Prior Transfer Date	Jul 29, 2021
Prior Transfer Doc	0216532342
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jun 16, 2023
Property Address	5265 E BAY DR APT 421, 421, CLEARWATER, FL 33764-6840
Document Number	0224761762
Book / Page	22476 / 1762
Map Reference	MB 70 PG 20
Instrument Date	Jun 16, 2023
Instrument	2023157895
Transaction Type	Transfer
Record Updated	Jun 27, 2023
Title Company	OLD TAMPA BAY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	901 N SHERMAN ST # ST801, ST801, DENVER, CO 80203-2916

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5265 E BAY DR APT 421, 421, CLEARWATER, FL 33764-6840

Mortgage

Document Number	0224761764
Date	Jun 16, 2023
Instrument	22476/1764

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PINELLAS FL
Recording Date	Aug 3, 2021
Property Address	5265 E BAY DR APT 421, 421, CLEARWATER, FL 33764-6840
Document Number	0216532342
Book / Page	21653 / 2342
Map Reference	MB 5306 PG 5
Instrument Date	Jul 29, 2021
Instrument	2021252998
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5265 E BAY DR APT 421, 421, CLEARWATER, FL 33764-6840

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	5265 E BAY DR APT 421, 421, CLEARWATER, FL 33764-6840
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0208731634
Date	Feb 6, 2020
Book Page	20873/1634
Instrument	2020040861

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jan 6, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 12, 2019
Property Address	5265 E BAY DR APT 421, 421, CLEARWATER, FL 33764-6840
Document Number	0206892022
Book / Page	020689 / 002022
Instrument Date	Sep 6, 2019
Instrument	292839
Transaction Type	Transfer
Record Updated	Sep 23, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

Amount	Amount Recorded
Tax	$700.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5265 E BAY DR #421 CLEARWATER FL 337646840, 421, CLEARWATER, FL 33764-6840

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Feb 22, 2018
Property Address	5265 E BAY DR APT 421, 421, CLEARWATER, FL 33764-6840
Document Number	0199501572
Book / Page	019950 / 001572
Instrument Date	Feb 7, 2018
Instrument	55725
Transaction Type	Transfer
Record Updated	Mar 9, 2018
Title Company	GREENLEAF TITLE

Transaction

Amount	Amount Recorded
Tax	$434.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3184 SHORELINE DR CLEARWATER FL 337601736, CLEARWATER, FL 33760-1736

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	$2,494.00 (-12.03%)	$131,381 (+138.9%) Building $131,381	$131,381 (-7.57%) Building $131,381
2024	$2,835.00 (+596.56%)
2023	$407.00 (-16.26%) Homeowner's exemption Widower's exemption	$54,993 (+3%)	$142,147 (+34.85%) Building $142,147
2022	$486.00 Homeowner's exemption Widower's exemption	$53,391	$105,409 Building $105,409

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 99.8% of the US · lower than 99.7% 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 872 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

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

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