645 Melissa Rd, Dunedin, FL 34698 Property Records

Pinellas County property record for 645 Melissa Rd, Dunedin, FL 34698

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,133 sqft · built 1957
Lot Size	0.144 acres (6,299 sqft)
Owner	2 Individual Names on Record
Last Sale	$101,500 (Jun 2003)
Tax Bill	$692 (2025)
Deeds & Mortgages	May 2023 Line of Credit May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-743-1295-0`

Property Details

APN / Parcel Number

Primary APN	`C62-000-743-1295-0`
Alternative APNs	`27-28-15-23292-005-0040` `152827232920050040` `R290242`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,133 sqft Heated Area
1st Floor Area	1,133 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1990
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,299 sqft (0.144 acres)
Lot Dimensions	105 ft deep x 60 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	220 sqft
Deck Area	480 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R290242
Old Parcel Number	152827232920050040
Street Address	645 MELISSA RD
City	DUNEDIN
State	FL
Zip	34698-5022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DUNEDIN ISLES ADD BLK E, LOT 4
Legal Range	15
Legal Township	28
Legal Section	27
Legal Subdivision	DUNEDIN ISLES ADD
Legal Block	E
Legal Lot Number	4
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1018
Census Tract	27107

Owner

Source: Pinellas County records, as of December 26, 2025

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
Co-owner	Co-owner on Record
Mailing Address	645 MELISSA RD, DUNEDIN, FL 34698-5022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage MANUFACTURERS & TRADERS TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2003 · Amount on Record
Deed Sale	Jun 19, 2003 · Amount on Record
Prior Sale	Aug 15, 1997 · Amount on Record
Deed Document Number	0128322622
Deed Book / Page	12832 / 2622
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	645 MELISSA RD, DUNEDIN, FL 34698-5022
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 MELISSA RD, DUNEDIN, FL 34698-5022

Mortgage

Document Number	0224312598
Date	May 5, 2023
Book Page	22431/2598
Instrument	2023118700

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 20, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	645 MELISSA RD, DUNEDIN, FL 34698-5022
Transaction Type	Mortgage
Record Updated	May 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 MELISSA RD, DUNEDIN, FL 34698-5022

Mortgage

Document Number	0215331016
Date	May 12, 2021
Book Page	21533/1016
Instrument	2021158979

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2041

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of July 1, 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	$692.00 (+13.63%) Homeowner's exemption	$80,857 (+5.99%)	$423,088 (+26.68%) Land $271,295 Building $151,793
2023	$609.00 (+4.28%) Homeowner's exemption	$76,289 (+3%)	$333,981 (+17.22%) Land $221,500 Building $112,481
2022	$584.00 Homeowner's exemption	$74,067	$284,913 Land $216,543 Building $68,370

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force

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 99.8% of the US · lower than 99.7% 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	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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