960 Valley View Cir, Palm Harbor, FL 34684 Property Records

Pinellas County property record for 960 Valley View Cir, Palm Harbor, FL 34684

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,652 sqft · built 1990
Lot Size	0.186 acres (8,089 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Jun 2015)
Tax Bill	$3,414 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jun 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-760-0899-4`

Property Details

APN / Parcel Number

Primary APN	`C62-000-760-0899-4`
Alternative APNs	`18-28-16-20684-000-0630` `281618206840000630` `162818206840000630` `R188686`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,652 sqft Living Area
Gross Area	2,236 sqft
1st Floor Area	1,652 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1997
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,089 sqft (0.186 acres)
Lot Dimensions	109 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	164 sqft
Deck Area	130 sqft
Patio Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R188686
Street Address	960 VALLEY VIEW CIR
City	PALM HARBOR
State	FL
Zip	34684-4464
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD5
Legal Description	DEEP SPRING LOT 63 LESS W 1.5FT
Legal Range	16E
Legal Township	28S
Legal Section	18
Legal Subdivision	DEEP SPRING
Legal Tract	20684
Legal Lot Number	63
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1001
Census Tract	27318

Owner

Source: Pinellas County records, as of September 17, 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	960 VALLEY VIEW CIR, PALM HARBOR, FL 34684-4464
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Deed of Trust, Mortgage · Line of Credit ACHIEVA CREDIT UNION
Jun 13, 2023	Deed of Trust, Mortgage · Line of Credit ACHIEVA CU
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage HAMILTON HOME LOANS INC
Mar 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Oct 26, 2018	Deed of Trust, Mortgage · Line of Credit ACHIEVA CU
Aug 28, 2017	Deed of Trust, Mortgage · Conventional with PMI PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2015 · Amount on Record
Deed Sale	Jun 18, 2015 · Amount on Record
Prior Sale	Sep 17, 2013
Deed Document Number	2015172521
Deed Book / Page	18820 / 352
Prior Transfer Date	Mar 24, 2015
Prior Transfer Doc	0188200351
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Recording Date	Jun 24, 2026
Property Address	960 VALLEY VIEW CIR, PALM HARBOR, FL 34684-4464
Document Number	0000169710
Book / Page	23604 / 560
Instrument Date	Jun 18, 2026
Instrument	2026169710
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000169710,
Date	Jun 24, 2026
Book Page	23604/560
Instrument	2026169710

Lender

Name	ACHIEVA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 27, 2051

Interest

Rate	6.51%
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	960 VALLEY VIEW CIR, PALM HARBOR, FL 34684-4464
Transaction Type	Mortgage
Record Updated	Jun 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	960 VALLEY VIEW CIR, PALM HARBOR, FL 34684-4464

Mortgage

Document Number	0224720515
Date	Jun 13, 2023
Book Page	22472/515
Instrument	2023153910

Lender

Name	ACHIEVA CU
Type	Credit Union
Address	34967

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 27, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	960 VALLEY VIEW CIR, PALM HARBOR, FL 34684-4464
Transaction Type	Mortgage
Record Updated	Nov 11, 2021
Title Company	PLATINUM NATIONAL TITLE LLC, PLATINUM NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	960 VALLEY VIEW CIR, PALM HARBOR, FL 34684-4464

Mortgage

Document Number	0217871100
Date	Nov 1, 2021
Book Page	21787/1100
Instrument	2021357153

Lender

Name	HAMILTON HOME LOANS INC
Type	Mortgage Company
Address	FORT LAUDERDALE, FL 33323

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	960 VALLEY VIEW CIR, PALM HARBOR, FL 34684-4464
Document Number	0209361348
Instrument Date	Mar 16, 2020
Transaction Type	Mortgage
Record Updated	Apr 24, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	960 VALLEY VIEW CIR PALM HARBOR FL 346844464, PALM HARBOR, FL 34684-4464

Mortgage

Document Number	0209361348
Date	Mar 25, 2020
Book Page	020936/001348
Instrument	98969

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 24, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	960 VALLEY VIEW CIR, PALM HARBOR, FL 34684-4464
Document Number	0203211876
Instrument Date	Oct 26, 2018
Transaction Type	Mortgage
Record Updated	Nov 19, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	960 VALLEY VIEW CIR PALM HARBOR FL 346844464, PALM HARBOR, FL 34684-4464

Mortgage

Document Number	0203211876
Date	Nov 2, 2018
Book Page	020321/001876
Instrument	352992

Lender

Name	ACHIEVA CU
Type	Credit Union
Address	DUNEDIN, FL 34697

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 1, 2043

Interest

Rate Type	Adjustable Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	960 VALLEY VIEW CIR, PALM HARBOR, FL 34684-4464
Document Number	0197662175
Book / Page	019766 / 002175
Instrument Date	Aug 28, 2017
Transaction Type	Mortgage
Record Updated	Sep 22, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	960 VALLEY VIEW CIR PALM HARBOR FL 346844464, PALM HARBOR, FL 34684-4464

Mortgage

Document Number	0197662175
Date	Sep 6, 2017
Book Page	019766/002175
Instrument	277441

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 5, 2047

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,414.00 (+7.66%) Homeowner's exemption	$219,421 (+5.99%)	$404,240 (-1.14%) Land $144,684 Building $259,556
2023	$3,171.00 (+3.22%) Homeowner's exemption	$207,026 (+3%)	$408,902 (+10.69%) Land $198,287 Building $210,615
2022	$3,072.00 Homeowner's exemption	$200,996	$369,428 Land $204,115 Building $165,313

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

Flood

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 13 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	13 in force

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

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	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

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 411 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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