5498 Worthington Loop, Palm Harbor, FL 34685 Property Records

Pinellas County property record for 5498 Worthington Loop, Palm Harbor, FL 34685

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,965 sqft · built 1989
Lot Size	0.312 acres (13,599 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Sep 2019)
Tax Bill	$5,451 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Jan 2022 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`C62-000-757-2488-0`

Property Details

APN / Parcel Number

Primary APN	`C62-000-757-2488-0`
Alternative APNs	`26-27-16-98233-000-0570` `271626982330000570` `162726982330000570` `R281205`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,965 sqft Living Area
Gross Area	3,922 sqft
1st Floor Area	2,965 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2003
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	13,599 sqft (0.312 acres)
Lot Dimensions	139 ft deep x 102 ft wide
Garage Type	Attached
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	348 sqft
Deck Area	110 sqft
Patio Area	110 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R281205
Street Address	5498 WORTHINGTON LOOP
City	PALM HARBOR
State	FL
Zip	34685-1164
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD251
Legal Description	WINDEMERE LOT 57
Legal Range	16E
Legal Township	27S
Legal Section	26
Legal Subdivision	WINDEMERE
Legal Tract	98233
Legal Lot Number	57
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1003
Census Tract	27332

Owner

Source: Pinellas County records, as of September 17, 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	5498 WORTHINGTON LOOP, PALM HARBOR, FL 34685-1164
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jan 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Sep 9, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2019 · Amount on Record
Deed Sale	Sep 9, 2019 · Amount on Record
Prior Sale	Oct 21, 2002
Deed Document Number	2019287395
Deed Book / Page	20684 / 667
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	5498 WORTHINGTON LOOP, PALM HARBOR, FL 34685-1164
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5498 WORTHINGTON LOOP, PALM HARBOR, FL 34685-1164

Mortgage

Document Number	0222220512
Date	Oct 6, 2022
Book Page	22222/512
Instrument	2022293605

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 24, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	5498 WORTHINGTON LOOP, PALM HARBOR, FL 34685-1164
Transaction Type	Mortgage
Record Updated	Jan 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5498 WORTHINGTON LOOP, PALM HARBOR, FL 34685-1164

Mortgage

Document Number	0218822486
Date	Jan 7, 2022
Book Page	21882/2486
Instrument	2022007239

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 9, 2019
Property Address	5498 WORTHINGTON LOOP, PALM HARBOR, FL 34685-1164
Document Number	0206840667
Book / Page	20684 / 0667
Map Reference	MB 100 PG 23-32
Instrument Date	Sep 5, 2019
Instrument	2019287395
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	MASTERPIECE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2400 WOOD POINTE DR, 2400, HOLIDAY, FL 34691-7800

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5498 WORTHINGTON LOOP, PALM HARBOR, FL 34685-1164

Mortgage

Document Number	0206840669
Date	Sep 9, 2019
Instrument	20684/0669

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,451.00 (+7.6%) Homeowner's exemption	$336,333 (+5.99%)	$588,734 (+5.51%) Land $195,308 Building $393,426
2023	$5,066.00 (+2.82%) Homeowner's exemption	$317,334 (+3%)	$558,005 (+16.98%) Land $242,006 Building $315,999
2022	$4,927.00 Homeowner's exemption	$308,091	$476,998 Land $173,474 Building $303,524

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 318 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	318 in force
Nearby Flood Claims	5 (2022–2024)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 3 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	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 225 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 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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