5265 E Bay Dr, Apt 922, Clearwater, FL 33764 Property Records

Pinellas County property record for 5265 E Bay Dr, Apt 922, Clearwater, FL 33764

Property Summary

Property Type	Condominium
Details	900 sqft · built 1982
Owner	2 Owner Names on Record
Last Sale	$46,000 (Jun 1998)
Tax Bill	$608 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-764-1376-4`

Property Details

APN / Parcel Number

Primary APN	`C62-000-764-1376-4`
Alternative APNs	`31-29-16-03631-009-0922` `162931036310090922` `R343154`

Interior

Stories	1 Story
Building Area	900 sqft Heated Area
1st Floor Area	900 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1989
Exterior Material	Brick/Stone
Construction Type	Wood Frame
View / Lot	Average
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	R343154
Old Parcel Number	162931036310090922
Street Address	5265 E BAY DR APT 922, 922
City	CLEARWATER
State	FL
Zip	33764-6830
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	BAY OAKS CONDO PHASE 3 BLDG 9, UNIT 922
Legal Range	16
Legal Township	29
Legal Section	31
Legal Subdivision	BAY OAKS CONDO
Legal Phase	3
Legal Lot Number	6293
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1002
Census Tract	25415

Owner

Source: Pinellas County records, as of December 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on Record
Mailing Address	5265 E BAY DR APT 922, 922, CLEARWATER, FL 33764-6830
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2023	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU
Feb 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 1998 · Amount on Record
Deed Sale	Jun 17, 1998 · Amount on Record
Prior Sale	Jun 20, 1995 · Amount on Record
Deed Document Number	1013502187
Deed Book / Page	10135 / 02187
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	5265 E BAY DR APT 922, 922, CLEARWATER, FL 33764-6830
Transaction Type	Mortgage
Record Updated	Nov 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5265 E BAY DR 922, 922, CLEARWATER, FL 33764-6830

Mortgage

Document Number	0226150612
Date	Nov 6, 2023
Book Page	22615/612
Instrument	2023283796

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 1, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	5265 E BAY DR APT 922, 922, CLEARWATER, FL 33764-6830
Document Number	0210941684
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 10, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5265 E BAY DR #922 CLEARWATER FL 337646830, 922, CLEARWATER, FL 33764-6830

Mortgage

Document Number	0210941684
Date	Jul 27, 2020
Book Page	021094/001684
Instrument	221363

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 26, 2040

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	5265 E BAY DR APT 922, 922, CLEARWATER, FL 33764-6830
Document Number	0199422464
Instrument Date	Feb 8, 2018
Transaction Type	Mortgage
Record Updated	Mar 5, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5265 E BAY DR #922 CLEARWATER FL 337646830, 922, CLEARWATER, FL 33764-6830

Mortgage

Document Number	0199422464
Date	Feb 15, 2018
Book Page	019942/002464
Instrument	48204

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 14, 2048

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of July 1, 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	$608.00 (+15.81%) Homeowner's exemption Disabled Person's exemption	$79,260 (+5.99%)	$153,291 (-7.01%) Building $153,291
2023	$525.00 (-12.5%) Homeowner's exemption Disabled Person's exemption	$74,783 (+3%)	$164,839 (+29.32%) Building $164,839
2022	$600.00 Homeowner's exemption Disabled Person's exemption	$72,605	$127,466 Building $127,466

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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