Pinellas County property record for 645 78th Ave, Saint Pete Beach, FL 33706
| Property Type | Residential Vacant Land |
|---|---|
| Details | 6 bd · 4 ba · 3,995 sqft · built 1949 |
| Lot Size | 0.332 acres (14,471 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,900,000 (Jun 2021) |
| Tax Bill | $15,857 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Aug 2025 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | C62-000-756-1648-2 |
| Primary APN | C62-000-756-1648-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 3,995 sqft Living Area |
| Gross Area | 5,615 sqft |
| 1st Floor Area | 2,013 sqft |
| Upper Floors Area | 1,124 sqft |
| Flooring | Carpet |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 14,471 sqft (0.332 acres) |
| Lot Dimensions | 145 ft deep x 100 ft wide |
| View / Lot | Intracoastal |
| Garage Type | Detached |
| Garage Area | 1,000 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 386 sqft |
| Deck Area | 245 sqft |
| Patio Area | 56 sqft |
| Loading Dock | 300 sqft |
| Boat Access | Boat Access |
| Boat Lift | Boat Lift |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R401329 |
|---|---|
| Street Address | 645 78TH AVE |
| City | ST PETE BEACH |
| State | FL |
| Zip | 33706-1715 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | NORTH UNIT NO. 1 BLK 79, LOTS 1 AND 2 AND LAND WLY TO WATER |
| Legal Range | 15E |
| Legal Township | 31S |
| Legal Section | 36 |
| Legal Subdivision | NORTH UNIT NO. 1 |
| Legal Tract | 61524 |
| Legal Block | 79 |
| Legal Lot Number | 1,2 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | ST. PETE BEACH |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 28004 |
645 78th Ave, residential vacant land, is owned and occupied by two individuals who bought it in June 2021.
Source: Pinellas County records, as of October 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6240 KIPPS COLONY CT, 105, GULFPORT, FL 33707-3978 |
| 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.
| Date | Document |
|---|---|
| Mar 25, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SOUTHSTATE BANK NA |
| Aug 20, 2025 | Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN |
| May 22, 2018 | Deed of Trust, Mortgage · Line of Credit WHITNEY BANK |
| Jun 30, 2021 | Warranty Deed, Transfer MAJESTY TITLE SERVICES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2021 · Amount on File |
| Deed Sale | Jun 30, 2021 · Amount on File |
| Prior Sale | Apr 10, 2014 · Amount on File |
| Deed Document Number | 2021216722 |
| Deed Book / Page | 21606 / 1705 |
| Prior Transfer Date | Sep 3, 2014 |
| Prior Transfer Doc | 0185162135 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 645 78TH AVE, ST PETE BEACH, FL 33706-1715 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 6240 KIPPS COLONY CT 105, 105, GULFPORT, FL 33707-3978 |
| Document Number | 0234990697 |
|---|---|
| Date | Mar 25, 2026 |
| Book Page | 23499/697 |
| Instrument | 2026080091 |
| Name | SOUTHSTATE BANK NA |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29406 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Apr 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.62% |
| Max Rate At Change | 7.62% |
| Index | 1-Year T-Bill |
| Max Rate | 11.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 645 78TH AVE, ST PETE BEACH, FL 33706-1715 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 645 78TH AVE, ST PETE BEACH, FL 33706-1715 |
| Document Number | 0232681197 |
|---|---|
| Date | Aug 20, 2025 |
| Book Page | 23268/1197 |
| Instrument | 2025239312 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | BIRMINGHAM, AL 35203 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 173 Months |
| Due | Jan 5, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 645 78TH AVE, ST PETE BEACH, FL 33706-1715 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0200610454 |
|---|---|
| Date | May 22, 2018 |
| Book Page | 20061/0454 |
| Instrument | 2018163220 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | SAINT PETERSBURG, FL 33704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Jun 30, 2021 |
| Property Address | 645 78TH AVE, ST PETE BEACH, FL 33706-1715 |
| Document Number | 0216061705 |
| Book / Page | 21606 / 1705 |
| Map Reference | MB 21 PG 27 |
| Instrument Date | Jun 25, 2021 |
| Instrument | 2021216722 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | MAJESTY TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Tax | $13,300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9020 GULF BLVD, 9020, ST PETE BEACH, FL 33706-1306 |
| Name | Verified Name |
|---|---|
| Address | 645 78TH AVE, ST PETE BEACH, FL 33706-1715 |
The 2025 property tax bill for 645 78th Ave was $15,857 with a homeowner's exemption, down 38.9% from the year before.
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Municipality | St. Pete Beach City |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $15,857.00 (-38.86%) Homeowner's exemption | $1,030,695 Land $1,006,919 Building $23,776 | $1,030,695 Land $1,006,919 Building $23,776 |
| 2024 | $25,934.00 (-9.19%) | ||
| 2023 | $28,560.00 (+14.33%) Homeowner's exemption | $1,844,258 (+18.31%) | $1,844,258 (+18.31%) Land $1,280,398 Building $563,860 |
| 2022 | $24,980.00 | $1,558,876 | $1,558,876 Land $1,136,570 Building $422,306 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 645 78th Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 11.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 161 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 193 units insured incl. 32 condo units |
| Nearby Flood Claims | 265 (1979–2025) |
| Most Recent Claim | Aug 2025 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 645 78th Ave 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.
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 366 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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