654 Normandy Rd, Madeira Beach (Saint Petersburg), FL 33708 Property Records

Pinellas County property record for 654 Normandy Rd, Madeira Beach, FL 33708

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,326 sqft · built 1952
Lot Size	0.165 acres (7,196 sqft)
Owner	Individual Name on Record
Tax Bill	$2,088 (2025)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`C62-000-755-0318-5`

Property Details

APN / Parcel Number

Primary APN	`C62-000-755-0318-5`
Alternative APNs	`10-31-15-43272-000-0340` `153110432720000340` `R115818`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,326 sqft Heated Area
1st Floor Area	1,326 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1983
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,196 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Area	240 sqft

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	192 sqft
Deck Area	154 sqft
Patio Area	72 sqft
Shed	1 Shed
Loading Dock	200 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R115818
Old Parcel Number	153110432720000340
Street Address	654 NORMANDY RD
City	MADEIRA BEACH
State	FL
Zip	33708-2371
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ISLAND ESTATES UNIT NO. 1 LOT 34
Legal Range	15
Legal Township	31
Legal Section	10
Legal Subdivision	ISLAND ESTATES UNIT NO. 1
Legal Lot Number	34
Jurisdiction	PINELLAS FL
Township / Civil Division	BOCA CIEGA
Census Block Group	2
Census Block	2002
Census Tract	27802

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	Individual Name on Record
Mailing Address	PO BOX 3492, SEMINOLE, FL 33775-3492
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 1991
Deed Sale	Feb 4, 1991
Deed Document Number	0074851510
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	654 NORMANDY RD, MADEIRA BEACH, FL 33708-2371
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0209981783
Date	May 12, 2020
Book Page	20998/1783
Instrument	2020149626

Lender

Name	CENTRAL BANK
Type	Bank
Address	TAMPA, FL 33647

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jun 1, 2025
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	9.5%

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Municipality	Madeira Beach City
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,088.00 (-5%) Homeowner's exemption Senior Citizen's exemption	$177,984 (+0.57%)	$512,246 (-31.73%) Land $448,672 Building $63,574
2023	$2,198.00 (+3.24%) Homeowner's exemption	$176,979 (+3%)	$750,296 (+14.92%) Land $667,480 Building $82,816
2022	$2,129.00 Homeowner's exemption	$171,824	$652,877 Land $585,192 Building $67,685

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 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	Hurricane Helene, Oct 2024 · 587 claims Tropical Storm Josephine, Oct 1996 · 247 claims Hurricane Elena, Sep 1985 · 382 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 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.

Drinking Water

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

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	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.

Internet Providers

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