Pinellas County property record for 745 Harbor Palms Ct, Palm Harbor, FL 34683
| Property Type | Single Family Home |
|---|---|
| Details | 5.5 ba · 3,585 sqft · built 2023 |
| Lot Size | 0.228 acres (9,932 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $675,000 (Apr 2021) |
| Tax Bill | $28,872 (2025) |
| Deeds & Mortgages | Dec 2023 Line of Credit Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | C62-001-117-7469-1 |
| Primary APN | C62-001-117-7469-1 |
|---|---|
| Alternative APNs |
|
| Full Baths | 5.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Stories | 3 Stories |
| Building Area | 3,585 sqft Living Area |
| Gross Area | 7,202 sqft |
| 1st Floor Area | 2,328 sqft |
| Upper Floors Area | 1,122 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Frame/Wood |
| Foundation Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 9,932 sqft (0.228 acres) |
| Lot Dimensions | 138 ft deep x 60 ft wide |
| View / Lot | Intracoastal |
| Garage Type | Attached |
| Garage Area | 2,093 sqft |
| Porch | Slab |
|---|---|
| Deck Area | Deck Area |
| Patio Area | 200 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R492646 |
|---|---|
| Street Address | 745 HARBOR PALMS CT |
| City | PALM HARBOR |
| State | FL |
| Zip | 34683-6201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARBOR PALMS REPLAT LOT 7 |
| Legal Range | 15E |
| Legal Township | 28S |
| Legal Section | 2 |
| Legal Subdivision | HARBOR PALMS REPLAT |
| Legal Lot Number | 7 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 27202 |
745 Harbor Palms Ct is owned and occupied by two individuals who bought it in April 2021.
Source: Pinellas County records, as of October 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 745 HARBOR PALMS CT, PALM HARBOR, FL 34683-6201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 5, 2023 | Deed of Trust, Mortgage · Line of Credit M & T BANK |
| Nov 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WHITNEY BANK |
| Apr 15, 2021 | Special Warranty Deed, Transfer · Line of Credit WHITNEY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2021 · Amount on File |
| Deed Sale | Apr 15, 2021 · Amount on File |
| Deed Document Number | 2021124733 |
| Deed Book / Page | 21488 / 1668 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 745 HARBOR PALMS CT, PALM HARBOR, FL 34683-6201 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2024 |
| Name | Verified Name |
|---|---|
| Address | 745 HARBOR PALMS CT, PALM HARBOR, FL 34683-6201 |
| Document Number | 0226411813 |
|---|---|
| Date | Dec 5, 2023 |
| Book Page | 22641/1813 |
| Instrument | 2023307738 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 15, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 745 HARBOR PALMS CT, PALM HARBOR, FL 34683-6201 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4530 ROANOAK WAY, PALM HARBOR, FL 34685-3688 |
| Document Number | 0217941825 |
|---|---|
| Date | Nov 5, 2021 |
| Book Page | 21794/1825 |
| Instrument | 2021362371 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | GULFPORT, MS 39501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Dec 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.62% |
| Index | Other |
| Max Rate | 7.62% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Apr 15, 2021 |
| Property Address | 745 HARBOR PALMS CT, PALM HARBOR, FL 34683-6201 |
| Document Number | 0214881668 |
| Book / Page | 21488 / 1668 |
| Map Reference | MB 143 PG 32 |
| Instrument Date | Apr 15, 2021 |
| Instrument | 2021124733 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2024 |
| Title Company | BAYSHORE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,725.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 604 SEASIDE DR, TARPON SPNGS, FL 34689-2293 |
| Name | Verified Name |
|---|---|
| Address | 4530 ROANOAK WAY, PALM HARBOR, FL 34685-3688 |
| Document Number | 0214881670 |
|---|---|
| Date | Apr 15, 2021 |
| Instrument | 21488/1670 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 745 Harbor Palms Ct was $28,872 with a homeowner's exemption.
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $28,872.00 Homeowner's exemption | $1,801,211 | $1,875,539 Land $531,109 Building $1,344,430 |
| 2023 | $9,988.00 (+8.39%) | $555,635 (+9.09%) | $555,635 (+9.09%) Land $544,660 Building $10,975 |
| 2022 | $9,215.00 | $509,329 | $509,329 Land $499,331 Building $9,998 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 745 Harbor Palms Ct 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 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 File median of 189 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 189 in force |
| Nearby Flood Claims | 187 (1985–2024) |
| Claims Outside the SFHA | 4 of 187 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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.
Wildfire risk around 745 Harbor Palms Ct is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond 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 261 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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