545 Sandy Hook Rd, Palm Harbor, FL 34683 Property Records

Pinellas County property record for 545 Sandy Hook Rd, Palm Harbor, FL 34683

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,008 sqft · built 1979
Lot Size0.267 acres (11,639 sqft)
Owner2 Individual Names on Record
Last Sale$600,000 (May 2023)
Tax Bill$8,432 (2025)
Deeds & MortgagesMay 2023 Sale & Mortgage
Sep 2020 Mortgage
Flood ZoneZone X (minimal risk)
APNC62-000-741-1684-9

Property Details

APN / Parcel Number

Primary APNC62-000-741-1684-9
Alternative APNs
  • 36-27-15-96579-012-0140
  • 271536965790120140
  • 152736965790120140
  • R391323

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures7 Plumbing Fixtures
Stories1 Story
Building Area2,008 sqft Living Area
Gross Area2,737 sqft
1st Floor Area2,008 sqft
FlooringCarpet
Interior WallsComposition
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1998
Architectural StyleCustom Design
Exterior MaterialBrick
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialOther
Lot Area11,639 sqft (0.267 acres)
Lot Dimensions130 ft deep x 90 ft wide
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area288 sqft
Deck Area300 sqft
Patio Area300 sqft
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ
Water FeatureWater Feature

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR391323
Street Address545 SANDY HOOK RD
CityPALM HARBOR
StateFL
Zip34683-3728
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRPD5
Legal DescriptionWESTLAKE VILLAGE BLK 12, LOT 14
Legal Range15E
Legal Township27S
Legal Section36
Legal SubdivisionWESTLAKE VILLAGE
Legal Tract96579
Legal Block12
Legal Lot Number14
JurisdictionPINELLAS FL
Township / Civil DivisionTARPON SPRINGS
Census Block Group3
Census Block3006
Census Tract27206

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 Record2 Individual Names on Record
Mailing Address545 SANDY HOOK RD, PALM HARBOR, FL 34683-3728
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 25, 2023Warranty Deed, Transfer · Conventional Mortgage
FIRST NATIONAL BANK OF OMAHA
Sep 29, 2020Deed of Trust, Mortgage · Conventional Mortgage
HOME ACCESS FINANCIAL LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 25, 2023 · Amount on Record
Deed SaleMay 25, 2023 · Amount on Record
Prior SaleMar 19, 2001 · Amount on Record
Deed Document Number2023136733
Deed Book / Page22451 / 2623
Record UpdatedOct 29, 2026

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateMay 25, 2023
Property Address545 SANDY HOOK RD, PALM HARBOR, FL 34683-3728
Document Number0224512623
Book / Page22451 / 2623
Map ReferenceMB 71 PG 64-72
Instrument DateMay 22, 2023
Instrument2023136733
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,200.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1711 W OLIVER DR, CITRUS SPRINGS, FL 34434-7242

Transferred To (Grantee/Buyer)

NameVerified Name
Address545 SANDY HOOK RD, PALM HARBOR, FL 34683-3728

Mortgage

Document Number0224512625
DateMay 25, 2023
Instrument22451/2625
Lender
NameFIRST NATIONAL BANK OF OMAHA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueJun 1, 2038

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address545 SANDY HOOK RD, PALM HARBOR, FL 34683-3728
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address545 SANDY HOOK RD, TAMPA, FL 33602

Mortgage

Document Number0211862302
DateSep 29, 2020
Book Page21186/2302
Instrument2020290535
Lender
NameHOME ACCESS FINANCIAL LLC
TypeNon-Lending Institution
AddressLAKEWOOD, NJ 08701
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPinellas County
Unified School DistrictPinellas County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$8,432.00 (+171.13%) Homeowner's exemption$501,479 (+141.08%) Land $155,966 Building $345,513$501,479 (+3.93%) Land $155,966 Building $345,513
2023$3,110.00 (+3.12%) Homeowner's exemption$208,014 (+3%)$482,496 (+17.28%) Land $196,632 Building $285,864
2022$3,016.00 Homeowner's exemption$201,955$411,416 Land $195,563 Building $215,853

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 81 policies
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies81 in force
Nearby Flood Claims2 (1981–2016)
Claims Outside the SFHA1 of 2
Most Recent ClaimSep 2016

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 RiskLow
lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemPINELLAS COUNTY UTILITIES
serves 506,353 people · EPA ID FL6521405
Water SourcePurchased surface water from several systems
Last State InspectionMar 2023
LeadUnder 1 ppb (2020)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting17
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 226 locations within half a mile, as of December 31, 2025

ProviderMax 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
T-Mobile
Fixed Wireless
100 / 20

Nearby Properties on Sandy Hook Rd

Nearby Streets

Search Property Records by Address or Parcel Number