786 Terrace Rd, Dunedin, FL 34698 Property Records

Pinellas County property record for 786 Terrace Rd, Dunedin, FL 34698

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,202 sqft · built 1961
Lot Size	0.188 acres (8,189 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Apr 2020)
Tax Bill	$4,846 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-742-9864-7`

Property Details

APN / Parcel Number

Primary APN	`C62-000-742-9864-7`
Alternative APNs	`26-28-15-48762-003-0260` `281526487620030260` `152826487620030260` `R282823`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,202 sqft Living Area
Gross Area	1,787 sqft
1st Floor Area	1,202 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1989
Architectural Style	H-Shape
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,189 sqft (0.188 acres)
Lot Dimensions	100 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	493 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	212 sqft
Deck Area	Deck Area
Patio Area	675 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R282823
Street Address	786 TERRACE RD
City	DUNEDIN
State	FL
Zip	34698-4348
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESIDE TERRACE 1ST ADD BLK C, LOT 26
Legal Range	15E
Legal Township	28S
Legal Section	26
Legal Subdivision	LAKESIDE TERRACE 1ST ADD
Legal Tract	48762
Legal Block	C
Legal Lot Number	26
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1029
Census Tract	27105

Owner

786 Terrace Rd is owned and occupied by an individual who bought it in April 2020.

Source: Pinellas County records, as of September 17, 2026

Owner of Record	Individual Name on File
Mailing Address	786 TERRACE RD, DUNEDIN, FL 34698-4348
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 19, 2026	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Apr 28, 2020	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Feb 5, 2018	Deed of Trust, Mortgage · Line of Credit ACHIEVA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2020 · Amount on File
Deed Sale	Apr 28, 2020 · Amount on File
Prior Sale	Mar 5, 2013 · Amount on File
Deed Document Number	2020136719
Deed Book / Page	20981 / 2027
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	786 TERRACE RD, DUNEDIN, FL 34698-4348
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	786 TERRACE RD, DUNEDIN, FL 34698-4348

Mortgage

Document Number	0234931145
Date	Mar 19, 2026
Book Page	23493/1145
Instrument	2026074977

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 28, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Apr 28, 2020
Property Address	786 TERRACE RD, DUNEDIN, FL 34698-4348
Document Number	0209812027
Book / Page	20981 / 2027
Map Reference	MB 45 PG 79&80
Instrument Date	Apr 1, 2020
Instrument	2020136719
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	MARLIN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3000 GLEN OAK AVE N, 3000, CLEARWATER, FL 33759-3405

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0209812028
Date	Apr 28, 2020
Instrument	20981/2028

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	786 TERRACE RD, DUNEDIN, FL 34698-4348
Document Number	0199391824
Instrument Date	Feb 5, 2018
Transaction Type	Mortgage
Record Updated	Mar 5, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	786 TERRACE RD DUNEDIN FL 346984348, DUNEDIN, FL 34698-4348

Mortgage

Document Number	0199391824
Date	Feb 13, 2018
Book Page	019939/001824
Instrument	44890

Lender

Name	ACHIEVA CU
Type	Credit Union
Address	DUNEDIN, FL 34697

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 12, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 786 Terrace Rd was $4,846 with a homeowner's exemption, up 5.8% 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	$4,846.00 (+5.78%) Homeowner's exemption	$316,888	$430,044 Land $227,100 Building $202,944
2024	$4,581.00 (+22.98%)
2023	$3,725.00 (+2.96%) Homeowner's exemption	$254,083 (+3%)	$378,404 (+18.36%) Land $253,313 Building $125,091
2022	$3,618.00 Homeowner's exemption	$246,683	$319,702 Land $224,298 Building $95,404

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

Flood

FEMA maps place 786 Terrace Rd in Zone X, an area of minimal flood risk, though there have been 196 flood claims nearby since 1978.

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 155 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	263 units insured incl. 108 condo units
Nearby Flood Claims	196 (1978–2024)
Claims Outside the SFHA	11 of 196
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Helene, Sep 2024 · 83 claims Hurricane Idalia, Aug 2023 · 10 claims Hurricane Elena, Aug 1985 · 7 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

The area around 786 Terrace Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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	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 394 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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