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685 Sandy Hook Rd, Palm Harbor, FL 34683 Property Records

Pinellas County property record for 685 Sandy Hook Rd, Palm Harbor, FL 34683

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,381 sqft · built 1979
Lot Size0.29 acres (12,632 sqft)
Owner2 Individual Names on Record
Last Sale$440,000 (Dec 2020)
Tax Bill$6,219 (2025)
Deeds & MortgagesNov 2023 Line of Credit
Dec 2020 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNC62-000-741-1710-2

Property Details

APN / Parcel Number

Primary APNC62-000-741-1710-2
Alternative APNs
  • 36-27-15-96579-013-0100
  • 271536965790130100
  • 152736965790130100
  • R391349

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures9 Plumbing Fixtures
Stories1 Story
Building Area2,381 sqft Living Area
Gross Area3,160 sqft
1st Floor Area2,381 sqft
FlooringCarpet
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1997
Architectural StyleCustom Design
Exterior MaterialBrick
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialOther
Lot Area12,632 sqft (0.29 acres)
Lot Dimensions130 ft deep x 94 ft wide
Garage TypeAttached
Garage Area506 sqft
Parking Spaces2 Parking Spaces
PorchPatio
Porch Area273 sqft
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR391349
Street Address685 SANDY HOOK RD
CityPALM HARBOR
StateFL
Zip34683-3732
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRPD5
Legal DescriptionWESTLAKE VILLAGE BLK 13, LOT 10
Legal Range15E
Legal Township27S
Legal Section36
Legal SubdivisionWESTLAKE VILLAGE
Legal Tract96579
Legal Block13
Legal Lot Number10
JurisdictionPINELLAS FL
Township / Civil DivisionTARPON SPRINGS
Census Block Group3
Census Block3010
Census Tract27206

Owner

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 Record2 Individual Names on Record
Mailing Address685 SANDY HOOK RD, PALM HARBOR, FL 34683-3732
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 29, 2023Deed of Trust, Mortgage · Line of Credit
WHITNEY BANK
Dec 11, 2020Warranty Deed, Transfer · Conventional Mortgage
LOANDEPOT.COM LLC
Sep 3, 2020Warranty Deed, Transfer
EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 11, 2020 · Amount on Record
Deed SaleDec 11, 2020 · Amount on Record
Prior SaleSep 3, 2020 · Amount on Record
Deed Document Number2020373741
Deed Book / Page21295 / 1926
Record UpdatedOct 29, 2026

November 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address685 SANDY HOOK RD, PALM HARBOR, FL 34683-3732
Transaction TypeMortgage
Record UpdatedDec 15, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address685 SANDY HOOK RD, PALM HARBOR, FL 34683-3732

Mortgage

Document Number0226362205
DateNov 29, 2023
Book Page22636/2205
Instrument2023303507
Lender
NameWHITNEY BANK
TypeBank
AddressGULFPORT, MS 39501
Agreement
TypeLine of Credit
AmountAmount Recorded
Term299 Months
DueOct 25, 2048
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateDec 11, 2020
Property Address685 SANDY HOOK RD, PALM HARBOR, FL 34683-3732
Document Number0212951926
Book / Page21295 / 1926
Map ReferenceMB 71 PG 64
Instrument DateDec 11, 2020
Instrument2020373741
Transaction TypeTransfer
Record UpdatedFeb 1, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,080.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1338 NORMANDY CIR, 1338, PALM HARBOR, FL 34683-5346

Transferred To (Grantee/Buyer)

NameVerified Name
Address685 SANDY HOOK RD, PALM HARBOR, FL 34683-3732

Mortgage

Document Number0212951928
DateDec 11, 2020
Book Page21295/1928
Instrument2020373742
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2051

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateSep 3, 2020
Property Address685 SANDY HOOK RD, PALM HARBOR, FL 34683-3732
Document Number0211510467
Book / Page021151 / 000467
Instrument DateAug 24, 2020
Instrument263846
Transaction TypeTransfer
Record UpdatedSep 25, 2020
Title CompanyEQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE LLC

Transaction

AmountAmount Recorded
Tax$1,946.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1338 NORMANDY CIR S PALM HARBOR FL 346835347, PALM HARBOR, FL 34683-5347

Tax Assessment & Valuation

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$6,219.00 (+7.28%) Homeowner's exemption$378,879 (+5.99%)$515,190 (+6.02%) Land $159,641 Building $355,549
2023$5,797.00 (+2.77%) Homeowner's exemption$357,477 (+3%)$485,948 (+15.37%) Land $201,414 Building $284,534
2022$5,641.00 Homeowner's exemption$347,065$421,217 Land $201,272 Building $219,945

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 81 policies
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies81 in force
Nearby Flood Claims2 (1981–2016)
Claims Outside the SFHA1 of 2
Most Recent ClaimSep 2016

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 RiskNot 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 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 226 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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