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649 Orange St, Palm Harbor, FL 34683 Property Records

Pinellas County property record for 649 Orange St, Palm Harbor, FL 34683

Property Summary

Property TypeSingle Family Home
Details6 bd · 6.5 ba · 6,616 sqft · built 2001
Lot Size1.88 acres (82,250 sqft)
Owner2 Individual Names on File
Last Sale$3,250,000 (Feb 2015)
Tax Bill$59,390 (2025)
Deeds & MortgagesFeb 2022 Line of Credit
Flood ZoneZone AE (high risk)
APNC62-000-741-4337-1

Property Details

APN / Parcel Number

Primary APNC62-000-741-4337-1
Alternative APNs
  • 02-28-15-97380-002-0000
  • 281502973800020000
  • 152802973800020000
  • R12760

Interior

Bedrooms6 Beds
Full Baths6.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures25 Plumbing Fixtures
Stories3 Stories
Building Area6,616 sqft Living Area
Gross Area12,163 sqft
1st Floor Area3,678 sqft
Upper Floors Area2,706 sqft
Basement Area1,947 sqft
FlooringTile
Fireplaces1 Fireplace
FireplaceFireplace
ElevatorElevator

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Architectural StyleCustom Design
Exterior MaterialCombination
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialConcrete
Lot Area82,250 sqft (1.88 acres)
Lot Dimensions240 ft deep x 133 ft wide
View / LotGulf
Garage TypeAttached
Garage Area1,477 sqft
Parking Spaces5 Parking Spaces

Exterior Amenities

PorchPatio
Porch Area2,356 sqft
Deck Area352 sqft
Patio Area1,800 sqft
Loading Dock430 sqft
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ
Boat AccessBoat Access
Boat LiftBoat Lift

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR12760
Street Address649 ORANGE ST
CityPALM HARBOR
StateFL
Zip34683-5220
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRR
Legal DescriptionWHITEHURSTS SUB BLK 2, N 377FT OF S 1/2 OF GOV LOT 1 DESC COM SE COR OF SW 1/4 OF SEC 2-28-15 TH N89D4826W 1319.9FT TO SW COR OF SE 1/4 TH N00D 3909W 964FT FOR POB TH N89D4826W 529.69FT TO MHW LINE TH ALG SD LINE TH N28D1737E 10.97FT TH N28D3331E 63.
Legal Range15E
Legal Township28S
Legal Section2
Legal SubdivisionWHITEHURSTS SUB
Legal Tract97380
Legal Block2
Legal Lot Number1
JurisdictionPINELLAS FL
Township / Civil DivisionTARPON SPRINGS
Census Block Group2
Census Block2004
Census Tract27202

Owner

649 Orange St is owned and occupied by two individuals who bought it in February 2015.

Source: Pinellas County records, as of September 10, 2026

Owner of Record2 Individual Names on File
Mailing Address649 ORANGE ST, PALM HARBOR, FL 34683-5220
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 2, 2015 · Amount on File
Deed SaleFeb 2, 2015 · Amount on File
Prior SaleJun 15, 2006 · Amount on File
Deed Document Number201529632
Deed Book / Page18664 / 2046
Record UpdatedOct 29, 2026

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address649 ORANGE ST, PALM HARBOR, FL 34683-5220
Transaction TypeMortgage
Record UpdatedMar 1, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address333 LIMETTA ST, PALM HARBOR, FL 34683-5266

Mortgage

Document Number0219352575
DateFeb 15, 2022
Book Page21935/2575
Instrument2022049863
Lender
NameTRUIST BANK
TypeBank
AddressORLANDO, FL 32809
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

The 2025 property tax bill for 649 Orange St was $59,390 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$59,390.00 Homeowner's exemption$3,314,513$4,738,028 Land $1,719,180 Building $3,018,848
2023$55,801.00 (+2.39%) Homeowner's exemption$3,130,273 (+3%)$3,977,806 (+7.99%) Land $1,123,386 Building $2,854,420
2022$54,501.00 Homeowner's exemption$3,039,100$3,683,430 Land $1,082,613 Building $2,600,817

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 649 Orange St 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation11.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 265 individual policies
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies285 units insured
incl. 20 condo units
Nearby Flood Claims375 (1982–2026)
Claims Outside the SFHA4 of 375
Most Recent ClaimMay 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

Wildfire risk around 649 Orange St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemPINELLAS COUNTY UTILITIES
serves 506,353 people · EPA ID FL6521405
Water SourcePurchased surface water from several systems
Last State InspectionMar 2023
LeadUnder 1 ppb (2020)
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 Reporting17
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

ProviderMax 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

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