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643 Richmond St, Dunedin, FL 34698 Property Records

Pinellas County property record for 643 Richmond St, Dunedin, FL 34698

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,974 sqft · built 2007
Lot Size0.164 acres (7,153 sqft)
Owner2 Individual Names on Record
Last Sale$610,000 (Feb 2022)
Tax Bill$9,478 (2025)
Deeds & MortgagesFeb 2022 Sale & Mortgage
Dec 2021 Mortgage
Flood ZoneZone X (moderate risk)
APNC62-000-960-0637-4

Property Details

APN / Parcel Number

Primary APNC62-000-960-0637-4
Alternative APNs
  • 34-28-15-21060-000-1001
  • 281534210600001001
  • R439425

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures7 Plumbing Fixtures
Stories1 Story
Building Area1,974 sqft Living Area
Gross Area2,583 sqft
1st Floor Area1,974 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Exterior MaterialBrick
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialOther
Lot Area7,153 sqft (0.164 acres)
Lot Dimensions110 ft deep x 65 ft wide
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area147 sqft
Deck AreaDeck Area
Patio Area220 sqft
Shed1 Shed
Shed Area132 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR439425
Street Address643 RICHMOND ST
CityDUNEDIN
StateFL
Zip34698-8420
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDEXTER PARK 1ST ADD W 65FT OF N 110FT OF LOT 100
Legal Range15E
Legal Township28S
Legal Section34
Legal SubdivisionDEXTER PARK 1ST ADD
Legal Tract21060
Legal Lot Number100
JurisdictionPINELLAS FL
Township / Civil DivisionCLEARWATER
Census Block Group2
Census Block2008
Census Tract27000

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 Address643 RICHMOND ST, DUNEDIN, FL 34698-8420
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 7, 2022Warranty Deed, Transfer · Conventional Mortgage
LOANDEPOT.COM LLC
Dec 21, 2021Deed of Trust, Mortgage · VA Mortgage
PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 7, 2022 · Amount on Record
Deed SaleFeb 7, 2022 · Amount on Record
Prior SaleAug 5, 2015 · Amount on Record
Deed Document Number202238974
Deed Book / Page21922 / 1589
Prior Transfer DateFeb 14, 2014
Prior Transfer Doc0183110591
Record UpdatedOct 29, 2026

February 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateFeb 7, 2022
Property Address643 RICHMOND ST, DUNEDIN, FL 34698-8420
Document Number0219221589
Book / Page21922 / 1589
Map ReferenceMB 49 PG 66
Instrument DateFeb 4, 2022
Instrument2022038974
Transaction TypeTransfer
Record UpdatedFeb 18, 2022
Title CompanyCAPSTONE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,270.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4477 122ND AVE N # ND, 4477, CLEARWATER, FL 33762-4446

Transferred To (Grantee/Buyer)

NameVerified Name
Address643 RICHMOND ST, DUNEDIN, FL 34698-8420

Mortgage

Document Number0219221591
DateFeb 7, 2022
Instrument21922/1591
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2052

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address643 RICHMOND ST, DUNEDIN, FL 34698-8420
Transaction TypeMortgage
Record UpdatedJan 13, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address643 RICHMOND ST, DUNEDIN, FL 34698-8420

Mortgage

Document Number0218601381
DateDec 21, 2021
Book Page21860/1381
Instrument2021413243
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term239 Months
DueNov 1, 2041

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,478.00 (+17.81%) Homeowner's exemption$580,046 (+17.3%)$650,103 (+31.46%) Land $193,818 Building $456,285
2024$8,045.00 (+1.35%)
2023$7,938.00 (+123.1%) Homeowner's exemption$494,515 (+103.28%)$494,515 (+23.5%) Land $175,640 Building $318,875
2022$3,558.00 Homeowner's exemption$243,270$400,411 Land $154,439 Building $245,972

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
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 42 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies42 in force
Nearby Flood Claims25 (1978–2024)
Claims Outside the SFHA9 of 25
Most Recent ClaimNov 2024 · other causes
Claims by Event
  • Hurricane Milton, Oct 2024 · 8 claims
  • Hurricane Helene, Sep 2024 · 3 claims
  • Hurricane Elena, Aug 1985 · 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 RiskNot 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 SystemDUNEDIN WATER SYSTEM
serves 46,161 people · EPA ID FL6520486
Water SourceGroundwater
Last State InspectionMay 2024
Lead2 ppb (2023)
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 Reporting32
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 520 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
WOW Internet, Cable & Phone
Cable		1,200 / 50
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000

May also be available: Frontier, Verizon.

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