593 Bay St, Palm Harbor, FL 34683 Property Records

Pinellas County property record for 593 Bay St, Palm Harbor, FL 34683

Property Summary

Property Type	Single Family Home
Details	5 ba · 4,217 sqft · built 2007
Lot Size	0.223 acres (9,696 sqft)
Owner	2 Individual Names on Record
Last Sale	$640,000 (Dec 2013)
Tax Bill	$10,923 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-780-1769-6`

Property Details

APN / Parcel Number

Primary APN	`C62-000-780-1769-6`
Alternative APNs	`11-28-15-65144-000-0080` `281511651440000080` `R415966`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	4,217 sqft Living Area
Gross Area	5,821 sqft
1st Floor Area	4,217 sqft
Basement Area	1,732 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2009
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,696 sqft (0.223 acres)
Lot Dimensions	138 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	1,137 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	467 sqft
Deck Area	350 sqft
Patio Area	350 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R415966
Street Address	593 BAY ST
City	PALM HARBOR
State	FL
Zip	34683-5214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	OZONA TRACE LOT 8
Legal Range	15E
Legal Township	28S
Legal Section	11
Legal Subdivision	OZONA TRACE
Legal Tract	65144
Legal Lot Number	8
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	2
Census Block	2018
Census Tract	27202

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	593 BAY ST, PALM HARBOR, FL 34683-5214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2013 · Amount on Record
Deed Sale	Dec 26, 2013 · Amount on Record
Prior Sale	May 16, 2006 · Amount on Record
Deed Document Number	2013405954
Deed Book / Page	18264 / 616
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	593 BAY ST, PALM HARBOR, FL 34683-5214
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	593 BAY ST, PALM HARBOR, FL 34683-5214

Mortgage

Document Number	0211590832
Date	Sep 10, 2020
Book Page	21159/832
Instrument	2020270279

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

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	$10,923.00 (+6.92%) Homeowner's exemption	$639,449 (+5.99%)	$1,176,040 (+6.33%) Land $243,446 Building $932,594
2023	$10,216.00 (+2.57%) Homeowner's exemption	$603,328 (+3%)	$1,105,991 (+18.42%) Land $299,026 Building $806,965
2022	$9,960.00 Homeowner's exemption	$585,755	$933,951 Land $258,954 Building $674,997

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 265 individual policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	285 units insured incl. 20 condo units
Nearby Flood Claims	375 (1982–2026)
Claims Outside the SFHA	4 of 375
Most Recent Claim	May 2026 · other causes
Claims by Event	Hurricane Helene, Sep 2024 · 171 claims Hurricane Idalia, Aug 2023 · 12 claims Tropical Storm Josephine, Oct 1996 · 12 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	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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 270 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