731 Bay St, Dunedin, FL 34698 Property Records

Pinellas County property record for 731 Bay St, Dunedin, FL 34698

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 924 sqft · built 1926
Lot Size	0.122 acres (5,310 sqft)
Owner	2 Trust Names on File
Last Sale	$189,900 (Nov 2017)
Tax Bill	$1,809 (2025)
Deeds & Mortgages	May 2020 Mortgage Nov 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-743-1842-9`

Property Details

APN / Parcel Number

Primary APN	`C62-000-743-1842-9`
Alternative APNs	`27-28-15-62874-002-0230` `281527628740020230` `152827628740020230` `R290787`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	924 sqft Living Area
Gross Area	1,220 sqft
1st Floor Area	924 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1988
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,310 sqft (0.122 acres)
Lot Dimensions	70 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	160 sqft
Porch	Slab
Porch Area	80 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R290787
Street Address	731 BAY ST
City	DUNEDIN
State	FL
Zip	34698-5008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKLAND SUB BLK 2, LOT 23
Legal Range	15E
Legal Township	28S
Legal Section	27
Legal Subdivision	OAKLAND SUB
Legal Tract	62874
Legal Block	2
Legal Lot Number	23
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2021
Census Tract	27108

Owner

731 Bay St is owner-occupied and held in a trust since November 2018.

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

Owner of Record	2 Trust Names on File
Mailing Address	731 BAY ST, DUNEDIN, FL 34698-5008
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Date	Document
May 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage PARKSIDE LNDG
Nov 21, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Nov 7, 2017	Warranty Deed, Transfer · Conventional Mortgage INNOVATIVE MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2017 · Amount on File
Deed Sale	Nov 7, 2017 · Amount on File
Prior Sale	Oct 31, 2016 · Amount on File
Deed Document Number	2017340061
Deed Book / Page	19832 / 2546
Last Transfer Date	Nov 16, 2018
Transfer Doc	0203432042
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	731 BAY ST, DUNEDIN, FL 34698-5008
Document Number	0209922665
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	May 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	731 BAY ST DUNEDIN FL 346985008, DUNEDIN, FL 34698-5008

Mortgage

Document Number	0209922665
Date	May 7, 2020
Book Page	020992/002665
Instrument	145322

Lender

Name	PARKSIDE LNDG
Address	SAN FRANCISCO, CA 94102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 6, 2035

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Nov 21, 2018
Property Address	731 BAY ST, DUNEDIN, FL 34698-5008
Document Number	0203432042
Book / Page	020343 / 002042
Instrument Date	Nov 16, 2018
Instrument	374917
Transaction Type	Transfer
Record Updated	Dec 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	731 BAY ST DUNEDIN FL 346985008, DUNEDIN, FL 34698-5008

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Nov 7, 2017
Property Address	731 BAY ST, DUNEDIN, FL 34698-5008
Document Number	0198322546
Book / Page	19832 / 2546
Map Reference	MB3 PG3
Instrument Date	Nov 6, 2017
Instrument	2017340061
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	FIDELITY NATL TITLE OF FLORI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,329.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 BAY ST, DUNEDIN, FL 34698-5008

Mortgage

Document Number	2017340062
Date	Nov 7, 2017
Instrument	2017340062

Lender

Name	INNOVATIVE MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 731 Bay St was $1,809 with a homeowner's exemption, up 6.6% from the year before.

Source: Pinellas County assessment roll, as of December 2, 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	$1,809.00 (+6.6%) Homeowner's exemption	$144,315	$372,977 Land $270,653 Building $102,324
2024	$1,697.00 (+3.67%)
2023	$1,637.00 (+3.74%) Homeowner's exemption	$134,939 (+3%)	$302,591 (+10.48%) Land $222,677 Building $79,914
2022	$1,578.00 Homeowner's exemption	$131,009	$273,892 Land $215,802 Building $58,090

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

Flood

FEMA maps place 731 Bay St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 2023.

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 File median of 79 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 units insured incl. 94 condo units
Nearby Flood Claims	15 (2023–2024)
Claims Outside the SFHA	2 of 15
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 14 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 731 Bay 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 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 352 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 · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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