895 Joan St, Dunedin, FL 34698 Property Records

Pinellas County property record for 895 Joan St, Dunedin, FL 34698

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,144 sqft · built 1956
Lot Size	0.194 acres (8,442 sqft)
Owner	Individual Name on File
Last Sale	$465,000 (Aug 2025)
Deeds & Mortgages	Sep 2025 Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-743-4407-8`

Property Details

APN / Parcel Number

Primary APN	`C62-000-743-4407-8`
Alternative APNs	`35-28-15-23490-005-0010` `281535234900050010` `152835234900050010` `R384059`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,144 sqft Living Area
Gross Area	1,652 sqft
1st Floor Area	1,144 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1999
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	8,442 sqft (0.194 acres)
Lot Dimensions	107 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	392 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	116 sqft
Deck Area	Deck Area
Patio Area	460 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R384059
Street Address	895 JOAN ST
City	DUNEDIN
State	FL
Zip	34698-7147
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DUNEDIN MANOR 1ST ADD BLK E, LOT 1
Legal Range	15E
Legal Township	28S
Legal Section	35
Legal Subdivision	DUNEDIN MANOR 1ST ADD
Legal Tract	23490
Legal Block	E
Legal Lot Number	1
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1003
Census Tract	27000

Owner

895 Joan St is owned by an individual who bought it in August 2025.

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

Owner of Record	Individual Name on File
Mailing Address	6 TOTOKET RD, BRANFORD, CT 06405-6420
Owner Type	Individual
Vesting	Single Woman

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
Sep 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage A&D MORTGAGE LLC
Oct 7, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 4, 2019	Warranty Deed, Transfer · VA Mortgage SECURITY NATIONAL MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2025 · Amount on File
Deed Sale	Aug 12, 2025 · Amount on File
Prior Sale	Dec 4, 2019 · Amount on File
Deed Document Number	2025231468
Deed Book / Page	23260 / 1878
Prior Transfer Date	Apr 21, 2015
Prior Transfer Doc	0187560093
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	895 JOAN ST, DUNEDIN, FL 34698-7147
Transaction Type	Mortgage
Record Updated	Oct 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	895 JOAN ST, DUNEDIN, FL 34698-7147

Mortgage

Document Number	0232942050
Date	Sep 15, 2025
Book Page	23294/2050
Instrument	2025264112

Lender

Name	A&D MORTGAGE LLC
Type	Mortgage Company
Address	FORT LAUDERDALE, FL 33309

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	895 JOAN ST, DUNEDIN, FL 34698-7147
Transaction Type	Mortgage
Record Updated	Oct 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	895 JOAN ST, DUNEDIN, FL 34698-7147

Mortgage

Document Number	0217511174
Date	Oct 7, 2021
Book Page	21751/1174
Instrument	2021328616

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Dec 4, 2019
Property Address	895 JOAN ST, DUNEDIN, FL 34698-7147
Document Number	0207941384
Book / Page	20794 / 1384
Map Reference	MB 37 PG 64
Instrument Date	Nov 1, 2019
Instrument	2019387286
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	INTERNATIONAL TTL PARTNERS L

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	895 JOAN ST, 895, DUNEDIN, FL 34698-7147

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1071 DONEGAN RD LOT 945, 945, LARGO, FL 33771-2937

Mortgage

Document Number	0207941387
Date	Dec 4, 2019
Instrument	20794/1387

Lender

Name	SECURITY NATIONAL MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

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		$349,223 (+2.9%)	$452,178 (-5.2%) Land $228,965 Building $223,213
2024	Homeowner's exemption	$339,381 (+3%)	$476,963 (+15.74%) Land $291,466 Building $185,497
2023	Homeowner's exemption	$329,496	$412,084 Land $243,655 Building $168,429

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

Flood

FEMA maps place 895 Joan St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1998.

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 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force
Nearby Flood Claims	6 (1998–2024)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 4 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 895 Joan St 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 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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