5265 E Bay Dr, Apt 520, Clearwater, FL 33764 Property Records

Pinellas County property record for 5265 E Bay Dr, Apt 520, Clearwater, FL 33764

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 900 sqft · built 1983
Lot Size	0.371 acres (16,167 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Nov 2021)
Tax Bill	$2,428 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Aug 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`C62-000-764-1333-5`

Property Details

APN / Parcel Number

Primary APN	`C62-000-764-1333-5`
Alternative APNs	`31-29-16-03631-005-0520` `291631036310050520` `162931036310050520` `R343111`

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 1983
Effective Year Built	Effective 1990
Architectural Style	Condo/Apartment
Exterior Material	Brick/Stone
Construction Type	Wood
Lot Area	16,167 sqft (0.371 acres)
View / Lot	Corner
Garage Type	Carport
Carport	Carport
Porch	Patio

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	R343111
Street Address	5265 E BAY DR, 520
City	CLEARWATER
State	FL
Zip	33764-6839
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	BAY OAKS CONDO PHASE 9 BLDG 5, UNIT 520 TOGETHER WITH THE USE OF PARKING SPACE 520
Legal Range	16E
Legal Township	29S
Legal Section	31
Legal Subdivision	BAY OAKS CONDO
Legal Phase	9
Legal Tract	3631
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1003
Census Tract	25415

Owner

5265 E Bay Dr, Apt 520 is owned and occupied by an individual who bought it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	5265 E BAY DR, 520, CLEARWATER, FL 33764-6839
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 12, 2021	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Aug 17, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2021 · Amount on File
Deed Sale	Nov 12, 2021 · Amount on File
Prior Sale	Aug 17, 2021 · Amount on File
Deed Document Number	2021370364
Deed Book / Page	21804 / 1991
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Nov 12, 2021
Property Address	5265 E BAY DR APT 520, 520, CLEARWATER, FL 33764-6839
Document Number	0218041991
Book / Page	21804 / 1991
Map Reference	MB 58 PG 41
Instrument Date	Nov 10, 2021
Instrument	2021370364
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	EQUITY NATIONAL TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5215 S WEST SHORE BLVD # BLVD14, 5215, TAMPA, FL 33611-5634

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5265 E BAY DR APT 520, 520, CLEARWATER, FL 33764-6839

Mortgage

Document Number	218041993
Date	Nov 12, 2021
Instrument	21804/1993

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2041

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Aug 17, 2021
Property Address	5265 E BAY DR APT 520, 520, CLEARWATER, FL 33764-6839
Document Number	0216741006
Book / Page	21674 / 1006
Map Reference	DOC 82093352
Instrument Date	Aug 4, 2021
Instrument	2021269406
Transaction Type	Transfer
Record Updated	Aug 30, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18 CHASE ST, 18, BRATTLEBORO, VT 05301-2972

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5215 S WEST SHORE BLVD APT 14, 14, TAMPA, FL 33611-5644

Tax Assessment & Valuation

The 2025 property tax bill for 5265 E Bay Dr, Apt 520 was $2,428 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	$2,428.00 Homeowner's exemption	$170,095 Building $170,095	$170,095 Building $170,095
2023	$2,663.00 (+0.79%) Homeowner's exemption	$182,993 (+31.76%)	$182,993 (+31.76%) Building $182,993
2022	$2,642.00	$138,886	$138,886 Building $138,886

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 520 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 520 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 99.8% 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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