547 Bay St, Dunedin, FL 34698 Property Records

Pinellas County property record for 547 Bay St, Dunedin, FL 34698

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 780 sqft · built 1957
Lot Size	0.165 acres (7,174 sqft)
Owner	Individual Name on File
Last Sale	$298,000 (Oct 2020)
Tax Bill	$5,082 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-743-1963-3`

Property Details

APN / Parcel Number

Primary APN	`C62-000-743-1963-3`
Alternative APNs	`27-28-15-73638-000-0050` `281527736380000050` `152827736380000050` `R290910`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	780 sqft Living Area
Gross Area	980 sqft
1st Floor Area	780 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1998
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,174 sqft (0.165 acres)
Lot Dimensions	144 ft deep x 50 ft wide
View / Lot	Pond
Garage Type	Carport
Garage Area	216 sqft
Carport	Carport
Carport Area	216 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	200 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R290910
Street Address	547 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 5
Legal Range	15E
Legal Township	28S
Legal Section	27
Legal Subdivision	RAYMONDS, CLARENCE M. SUB
Legal Tract	73638
Legal Lot Number	5
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2018
Census Tract	27108

Owner

547 Bay St is owned and occupied by an individual who bought it in October 2020.

Source: Pinellas County records, as of September 10, 2026

Owner of Record	Individual Name on File
Mailing Address	547 BAY ST, DUNEDIN, FL 34698-4909
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 2, 2020	Warranty Deed, Transfer · Conventional Mortgage NATIONAL BANK OF KANSAS CITY
Jan 20, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCING
May 30, 2019	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2020 · Amount on File
Deed Sale	Oct 2, 2020 · Amount on File
Prior Sale	May 30, 2019 · Amount on File
Deed Document Number	2020294125
Deed Book / Page	21191 / 2091
Transfer Doc	9818000885
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 2, 2020
Property Address	547 BAY ST, DUNEDIN, FL 34698-4909
Document Number	0211912091
Book / Page	21191 / 2091
Map Reference	MB 16 PG 24
Instrument Date	Sep 30, 2020
Instrument	2020294125
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	PLATINUM NATIONAL TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,086.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	79055 ASH CREEK CANYON RD, 79055, BROKEN BOW, NE 68822-4237

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	547 BAY ST, DUNEDIN, FL 34698-4909
Investor	Possibly a Property Investor

Mortgage

Document Number	0211912093
Date	Oct 2, 2020
Instrument	21191/2093

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	547 BAY ST, DUNEDIN, FL 34698-4909
Document Number	0208662631
Instrument Date	Jan 20, 2020
Transaction Type	Mortgage
Record Updated	Feb 21, 2020
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	547 BAY ST DUNEDIN FL 346984909, DUNEDIN, FL 34698-4909

Mortgage

Document Number	0208662631
Date	Feb 3, 2020
Book Page	020866/002631
Instrument	34859

Lender

Name	AMERICAN FINANCING
Type	Funding / Finance Company
Address	AURORA, CO 80014

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 2, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	May 30, 2019
Property Address	547 BAY ST, DUNEDIN, FL 34698-4909
Document Number	0205580798
Book / Page	020558 / 000798
Instrument Date	May 24, 2019
Instrument	170940
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	PLATINUM NATIONAL TITLE LLC, PLATINUM NAT'L TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	547 BAY ST DUNEDIN DUNEDIN FL 34698, DUNEDIN, FL 34698

Mortgage

Document Number	205580800
Date	May 30, 2019
Book Page	020558/000800
Instrument	170941

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 29, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 547 Bay St was $5,082 with a homeowner's exemption.

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	$5,082.00 Homeowner's exemption	$330,290	$415,351 Land $260,826 Building $154,525
2023	$4,733.00 (+2.8%) Homeowner's exemption	$311,633 (+3%)	$329,651 (+8.96%) Land $211,764 Building $117,887
2022	$4,604.00 Homeowner's exemption	$302,556	$302,556 Land $214,137 Building $88,419

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

Flood

FEMA maps place 547 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 547 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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