Pinellas County property record for 645 Normandy Rd, Madeira Beach, FL 33708
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,456 sqft · built 1956 |
| Lot Size | 0.212 acres (9,230 sqft) |
| Owner | Trust Name on Record |
| Last Sale | $590,000 (Sep 2017) |
| Tax Bill | $8,804 (2025) |
| Deeds & Mortgages | Sep 2023 Second Mortgage Jun 2020 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | C62-000-754-9626-5 |
| Primary APN | C62-000-754-9626-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,456 sqft Living Area |
| Gross Area | 1,510 sqft |
| 1st Floor Area | 1,456 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 9,230 sqft (0.212 acres) |
| Lot Dimensions | 104 ft deep x 95 ft wide |
| View / Lot | Intracoastal |
| Porch | Slab |
|---|---|
| Porch Area | 54 sqft |
| Deck Area | 350 sqft |
| Patio Area | 350 sqft |
| Loading Dock | 640 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R115136 |
|---|---|
| Street Address | 645 NORMANDY RD |
| City | MADEIRA BEACH |
| State | FL |
| Zip | 33708-2372 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CARLSON REPLAT SUB LOT 2 & SELY 1/2 OF LOT 3 |
| Legal Range | 15E |
| Legal Township | 31S |
| Legal Section | 10 |
| Legal Subdivision | CARLSON REPLAT SUB |
| Legal Tract | 13482 |
| Legal Lot Number | 2,3 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | BOCA CIEGA |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 27802 |
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 Record | Trust Name on Record |
|---|---|
| Mailing Address | 645 NORMANDY RD, MADEIRA BEACH, FL 33708-2372 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Sep 15, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage HOMETOWN EQUITY MORTGAGE |
| Jun 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Apr 19, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Sep 28, 2017 | Warranty Deed, Transfer · ARM RECOVO MORTGAGE MANAGEMENT LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 28, 2017 · Amount on Record |
| Deed Sale | Sep 28, 2017 · Amount on Record |
| Prior Sale | Dec 18, 2015 · Amount on Record |
| Deed Document Number | 2017296368 |
| Deed Book / Page | 19786 / 1865 |
| Transfer Doc | 1155000727 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 645 NORMANDY RD, MADEIRA BEACH, FL 33708-2372 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2023 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Name | Verified Name |
|---|---|
| Address | 645 NORMANDY RD, MADEIRA BEACH, FL 33708-2372 |
| Document Number | 0225640978 |
|---|---|
| Date | Sep 15, 2023 |
| Book Page | 22564/978 |
| Instrument | 2023237130 |
| Name | HOMETOWN EQUITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | LAKE FOREST, CA 92630 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 645 NORMANDY RD, MADEIRA BEACH, FL 33708-2372 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0210541268 |
|---|---|
| Date | Jun 25, 2020 |
| Book Page | 21054/1268 |
| Instrument | 2020191843 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Apr 19, 2018 |
| Property Address | 645 NORMANDY RD, MADEIRA BEACH, FL 33708-2372 |
| Document Number | 0200191496 |
| Book / Page | 020019 / 001496 |
| Instrument Date | Apr 18, 2018 |
| Instrument | 122640 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 645 NORMANDY RD MADEIRA BEACH FL 337082372, MADEIRA BEACH, FL 33708-2372 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Sep 28, 2017 |
| Property Address | 645 NORMANDY RD, MADEIRA BEACH, FL 33708-2372 |
| Document Number | 0197861865 |
| Book / Page | 19786 / 1865 |
| Map Reference | MB35 PG58 |
| Instrument Date | Sep 22, 2017 |
| Instrument | 2017296368 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | TITLE AGENCY OF FLORIDA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,130.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2084 CHESTNUT GAP RD, 2084, BLUE RIDGE, GA 30513-3906 |
| Name | Verified Name |
|---|---|
| Address | 645 NORMANDY RD, MADEIRA BEACH, FL 33708-2372 |
| Document Number | 2017296369 |
|---|---|
| Date | Sep 28, 2017 |
| Instrument | 2017296369 |
| Name | RECOVO MORTGAGE MANAGEMENT LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Oct 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 5.75% |
| Max Rate At Change | 7.75% |
| Index | 1-Year LIBOR |
| Max Rate | 10.7% |
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Municipality | Madeira Beach City |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,804.00 (-3.93%) Homeowner's exemption | $583,645 (-3.09%) | $702,891 (-36.74%) Land $611,174 Building $91,717 |
| 2024 | $9,164.00 (+1.13%) | ||
| 2023 | $9,062.00 (+2.49%) Homeowner's exemption | $602,266 (+3%) | $1,111,101 (+9.62%) Land $953,037 Building $158,064 |
| 2022 | $8,842.00 Homeowner's exemption | $584,724 | $1,013,612 Land $876,289 Building $137,323 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 492 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 581 units insured incl. 89 condo units |
| Nearby Flood Claims | 2,043 (1978–2025) |
| Claims Outside the SFHA | 1 of 2,043 |
| Most Recent Claim | Dec 2025 |
| 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.
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 421 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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