Pinellas County property record for 809 Windward Way, Palm Harbor, FL 34685
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,930 sqft · built 1973 |
| Lot Size | 0.219 acres (9,522 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $196,000 (Nov 2017) |
| Tax Bill | $3,616 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-757-9128-5 |
| Primary APN | C62-000-757-9128-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,930 sqft Living Area |
| Gross Area | 2,767 sqft |
| 1st Floor Area | 1,930 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 9,522 sqft (0.219 acres) |
| Lot Dimensions | 90 ft deep x 104 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
|---|---|
| Porch Area | 261 sqft |
| Deck Area | 260 sqft |
| Patio Area | 260 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R361160 |
|---|---|
| Street Address | 809 WINDWARD WAY |
| City | PALM HARBOR |
| State | FL |
| Zip | 34685-1642 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD5 |
| Legal Description | ANCHORAGE OF TARPON LAKE UNIT ONE, THE BLK 4, LOT 5 |
| Legal Range | 16E |
| Legal Township | 27S |
| Legal Section | 33 |
| Legal Subdivision | ANCHORAGE OF TARPON LAKE |
| Legal Tract | 945 |
| Legal Block | 4 |
| Legal Lot Number | 5 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 27329 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 809 WINDWARD WAY, PALM HARBOR, FL 34685-1642 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOME ACCESS FINANCIAL LLC |
| Nov 1, 2017 | Warranty Deed, Transfer · Conventional Mortgage HOME ACCESS FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 1, 2017 · Amount on Record |
| Deed Sale | Nov 1, 2017 · Amount on Record |
| Prior Sale | Aug 17, 2001 · Amount on Record |
| Deed Document Number | 2017332429 |
| Deed Book / Page | 19825 / 194 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 809 WINDWARD WAY, PALM HARBOR, FL 34685-1642 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 809 WINDWARD WAY, PALM HARBOR, FL 34685-1642 |
| Document Number | 0212631146 |
|---|---|
| Date | Nov 19, 2020 |
| Book Page | 21263/1146 |
| Instrument | 2020349312 |
| Name | HOME ACCESS FINANCIAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | LAKEWOOD, NJ 08701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Nov 1, 2017 |
| Property Address | 809 WINDWARD WAY, PALM HARBOR, FL 34685-1642 |
| Document Number | 0198250194 |
| Book / Page | 19825 / 0194 |
| Map Reference | MB67 PG99&100 |
| Instrument Date | Oct 30, 2017 |
| Instrument | 2017332429 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | TROPICAL TITLE INSURANCE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,372.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 809 WINDWARD WAY, PALM HARBOR, FL 34685-1642 |
| Document Number | 2017332430 |
|---|---|
| Date | Nov 1, 2017 |
| Instrument | 2017332430 |
| Name | HOME ACCESS FINANCIAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2047 |
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 | $3,616.00 (+7.88%) Homeowner's exemption | $231,970 (+5.99%) | $392,810 (+17.25%) Land $105,919 Building $286,891 |
| 2023 | $3,352.00 (+1.88%) Homeowner's exemption | $218,866 (+3%) | $335,033 (+15.58%) Land $127,118 Building $207,915 |
| 2022 | $3,290.00 Homeowner's exemption | $212,491 | $289,866 Land $117,411 Building $172,455 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 135 individual policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 159 units insured incl. 24 condo units |
| Nearby Flood Claims | 5 (2011–2024) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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.
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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 270 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 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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