5265 E Bay Dr, Apt 712, Clearwater, FL 33764 Property Records

Pinellas County property record for 5265 E Bay Dr, Apt 712, Clearwater, FL 33764

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 900 sqft · built 1983
Lot Size	0.558 acres (24,307 sqft)
Owner	Individual Name on Record
Last Sale	$116,500 (Oct 2018)
Tax Bill	$987 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-764-1350-9`

Property Details

APN / Parcel Number

Primary APN	`C62-000-764-1350-9`
Alternative APNs	`31-29-16-03631-007-0712` `291631036310070712` `162931036310070712` `R343128`

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 1983
Effective Year Built	Effective 1990
Architectural Style	Condo/Apartment
Exterior Material	Brick/Stone
Construction Type	Wood
Lot Area	24,307 sqft (0.558 acres)
View / Lot	Interior
Garage Type	Carport
Carport	Carport
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	R343128
Street Address	5265 E BAY DR, 712
City	CLEARWATER
State	FL
Zip	33764-6835
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	BAY OAKS CONDO PHASE 6 BLDG 7, UNIT 712
Legal Range	16E
Legal Township	29S
Legal Section	31
Legal Subdivision	BAY OAKS CONDO
Legal Phase	6
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, 712, CLEARWATER, FL 33764-6835
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2022	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Oct 4, 2018	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL CO LIMITED PARTN
Feb 22, 2018	Warranty Deed, Transfer SUNBELT TITLE (AGENCY)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2018 · Amount on Record
Deed Sale	Oct 4, 2018 · Amount on Record
Prior Sale	Feb 22, 2018 · Amount on Record
Deed Document Number	2018319250
Deed Book / Page	20258 / 1625
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	5265 E BAY DR APT 712, 712, CLEARWATER, FL 33764-6835
Transaction Type	Mortgage
Record Updated	Jan 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5265 E ABY DR #712 712, 712, CLEARWATER, FL 33764

Mortgage

Document Number	0223021301
Date	Dec 28, 2022
Book Page	22302/1301
Instrument	2022365927

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	1 Months
Due	Jan 28, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	5265 E BAY DR APT 712, 712, CLEARWATER, FL 33764-6835
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5265 E BAY DR, CLEARWATER, FL 33764-5750

Mortgage

Document Number	0212091077
Date	Oct 15, 2020
Book Page	21209/1077
Instrument	2020308187

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 4, 2018
Property Address	5265 E BAY DR APT 712, 712, CLEARWATER, FL 33764-6835
Document Number	0202581625
Book / Page	20258 / 1625
Map Reference	OR 5581 PG 932
Instrument Date	Oct 2, 2018
Instrument	2018319250
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$815.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8844 CAMERON CREST DR, 8844, TAMPA, FL 33626-4712

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5265 E BAY DR APT 712, 712, CLEARWATER, FL 33764-6835

Mortgage

Document Number	2018319251
Date	Oct 4, 2018
Instrument	2018319251

Lender

Name	CARDINAL FINANCIAL CO LIMITED PARTN
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Feb 22, 2018
Property Address	5265 E BAY DR APT 712, 712, CLEARWATER, FL 33764-6835
Document Number	0199501915
Book / Page	019950 / 001915
Instrument Date	Feb 16, 2018
Instrument	55834
Transaction Type	Transfer
Record Updated	Mar 9, 2018
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount Recorded
Tax	$630.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8844 CAMERON CREST DR TAMPA FL 336264712, TAMPA, FL 33626-4712

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	$987.00 (+11.78%) Homeowner's exemption	$94,210 (+5.99%)	$154,114 (-7.09%) Building $154,114
2023	$883.00 (+5.24%) Homeowner's exemption	$88,888 (+3%)	$165,883 (+29.29%) Building $165,883
2022	$839.00 Homeowner's exemption	$86,299	$128,303 Building $128,303

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 99.8% 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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