Pinellas County property record for 545 Sandy Hook Rd, Palm Harbor, FL 34683
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,008 sqft · built 1979 |
| Lot Size | 0.267 acres (11,639 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $600,000 (May 2023) |
| Tax Bill | $8,432 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-741-1684-9 |
| Primary APN | C62-000-741-1684-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,008 sqft Living Area |
| Gross Area | 2,737 sqft |
| 1st Floor Area | 2,008 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 11,639 sqft (0.267 acres) |
| Lot Dimensions | 130 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 288 sqft |
| Deck Area | 300 sqft |
| Patio Area | 300 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Water Feature | Water Feature |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R391323 |
|---|---|
| Street Address | 545 SANDY HOOK RD |
| City | PALM HARBOR |
| State | FL |
| Zip | 34683-3728 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD5 |
| Legal Description | WESTLAKE VILLAGE BLK 12, LOT 14 |
| Legal Range | 15E |
| Legal Township | 27S |
| Legal Section | 36 |
| Legal Subdivision | WESTLAKE VILLAGE |
| Legal Tract | 96579 |
| Legal Block | 12 |
| Legal Lot Number | 14 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 27206 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 545 SANDY HOOK RD, PALM HARBOR, FL 34683-3728 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 25, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF OMAHA |
| Sep 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOME ACCESS FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 25, 2023 · Amount on Record |
| Deed Sale | May 25, 2023 · Amount on Record |
| Prior Sale | Mar 19, 2001 · Amount on Record |
| Deed Document Number | 2023136733 |
| Deed Book / Page | 22451 / 2623 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | May 25, 2023 |
| Property Address | 545 SANDY HOOK RD, PALM HARBOR, FL 34683-3728 |
| Document Number | 0224512623 |
| Book / Page | 22451 / 2623 |
| Map Reference | MB 71 PG 64-72 |
| Instrument Date | May 22, 2023 |
| Instrument | 2023136733 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,200.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1711 W OLIVER DR, CITRUS SPRINGS, FL 34434-7242 |
| Name | Verified Name |
|---|---|
| Address | 545 SANDY HOOK RD, PALM HARBOR, FL 34683-3728 |
| Document Number | 0224512625 |
|---|---|
| Date | May 25, 2023 |
| Instrument | 22451/2625 |
| Name | FIRST NATIONAL BANK OF OMAHA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 545 SANDY HOOK RD, PALM HARBOR, FL 34683-3728 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 545 SANDY HOOK RD, TAMPA, FL 33602 |
| Document Number | 0211862302 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 21186/2302 |
| Instrument | 2020290535 |
| Name | HOME ACCESS FINANCIAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | LAKEWOOD, NJ 08701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed 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.
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 81 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 81 in force |
| Nearby Flood Claims | 2 (1981–2016) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 226 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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