539 Bay St, Dunedin, FL 34698 Property Records

Pinellas County property record for 539 Bay St, Dunedin, FL 34698

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 780 sqft · built 1957
Lot Size	0.168 acres (7,309 sqft)
Owner	Individual Name on File
Last Sale	$442,000 (Apr 2024)
Tax Bill	$6,638 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-743-1962-5`

Property Details

APN / Parcel Number

Primary APN	`C62-000-743-1962-5`
Alternative APNs	`27-28-15-73638-000-0040` `281527736380000040` `152827736380000040` `R290909`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	780 sqft Living Area
Gross Area	1,124 sqft
1st Floor Area	780 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,309 sqft (0.168 acres)
Lot Dimensions	144 ft deep x 50 ft wide

Exterior Amenities

Porch	Slab
Porch Area	280 sqft
Deck Area	147 sqft
Patio Area	147 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R290909
Street Address	539 BAY ST
City	DUNEDIN
State	FL
Zip	34698-4909
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RAYMONDS, CLARENCE M. SUB LOT 4
Legal Range	15E
Legal Township	28S
Legal Section	27
Legal Subdivision	RAYMONDS, CLARENCE M. SUB
Legal Tract	73638
Legal Lot Number	4
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2018
Census Tract	27108

Owner

539 Bay St is owned by an individual who bought it in April 2024.

Source: Pinellas County records, as of September 17, 2026

Owner of Record	Individual Name on File
Mailing Address	22327 OAKVILLE DR, LAND O LAKES, FL 34639-3932
Owner Type	Individual
Vesting	Married Man, Separate Property

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
Dec 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage INNOVATIVE MORTGAGE SERVICES
Apr 9, 2024	Warranty Deed, Transfer · Conventional Mortgage INNOVATIVE MORTGAGE SERVICES
Sep 21, 2020	Warranty Deed, Transfer TITLE USA
May 18, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2024 · Amount on File
Deed Sale	Apr 9, 2024 · Amount on File
Prior Sale	Sep 21, 2020 · Amount on File
Deed Document Number	202489186
Deed Book / Page	22760 / 2522
Prior Transfer Date	Apr 23, 2018
Prior Transfer Doc	0200570809
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	539 BAY ST, DUNEDIN, FL 34698-4909
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22327 OAKVILLE DR, LAND O LAKES, FL 34639-3932
Investor	Possibly a Property Investor

Mortgage

Document Number	0233811956
Date	Dec 5, 2025
Book Page	23381/1956
Instrument	2025340966

Lender

Name	INNOVATIVE MORTGAGE SERVICES
Type	Mortgage Company
Address	LUTZ, FL 33558

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2040

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Apr 9, 2024
Property Address	539 BAY ST, DUNEDIN, FL 34698-4909
Document Number	0227602522
Book / Page	22760 / 2522
Map Reference	MB 16 PG 24
Instrument Date	Apr 4, 2024
Instrument	2024089186
Transaction Type	Transfer
Record Updated	Apr 26, 2024
Title Company	TITLE US LLC, TITLE USA LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,094.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	106 VAUGHN CT, MADISON, WI 53705-5147

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22327 OAKVILLE DR, LAND O LAKES, FL 34639-3932
Investor	Possibly a Property Investor

Mortgage

Document Number	0227602524
Date	Apr 9, 2024
Instrument	22760/2524

Lender

Name	INNOVATIVE MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 21, 2020
Property Address	539 BAY ST, DUNEDIN, FL 34698-4909
Document Number	0211720699
Book / Page	021172 / 000699
Instrument Date	Aug 21, 2020
Instrument	280043
Transaction Type	Transfer
Record Updated	Sep 30, 2020
Title Company	TITLE USA

Transaction

Amount	Amount on Record
Tax	$1,750.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	106 VAUGHN CT MADISON WI 537055147, MADISON, WI 53705-5147

May 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PINELLAS FL
Recording Date	May 18, 2018
Property Address	539 BAY ST, DUNEDIN, FL 34698-4909
Document Number	0200570809
Book / Page	20057 / 0809
Map Reference	MB 16 PG 24
Instrument Date	Apr 23, 2018
Instrument	2018159599
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	COAST TO COAST TITLE & ESCRO

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
Address	539 BAY ST, DUNEDIN, FL 34698-4909

Mortgage

Document Number	2018159600
Date	May 18, 2018
Instrument	2018159600

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 539 Bay St was $6,638, up 27.1% from the year before.

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Municipality	Dunedin City
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,638.00 (+27.09%)	$377,152 Land $259,209 Building $117,943	$377,152 Land $259,209 Building $117,943
2024	$5,223.00 (+10.61%)
2023	$4,722.00 (+8.65%)	$310,828 (+8.37%)	$310,828 (+8.37%) Land $211,754 Building $99,074
2022	$4,346.00	$286,826	$286,826 Land $211,877 Building $74,949

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

Flood

FEMA maps place 539 Bay St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 2023.

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 79 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 units insured incl. 94 condo units
Nearby Flood Claims	15 (2023–2024)
Claims Outside the SFHA	2 of 15
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 14 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

The area around 539 Bay St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	DUNEDIN WATER SYSTEM serves 46,161 people · EPA ID FL6520486
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2023) 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	32 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 594 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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