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

Pinellas County property record for 976 Valley View Cir, Palm Harbor, FL 34684

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,998 sqft · built 1991
Lot Size	0.435 acres (18,936 sqft)
Owner	2 Company Names on Record
Tax Bill	$3,430 (2025)
Deeds & Mortgages	Nov 2020 Transfer May 2017 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`C62-000-760-0891-1`

Property Details

APN / Parcel Number

Primary APN	`C62-000-760-0891-1`
Alternative APNs	`18-28-16-20684-000-0550` `281618206840000550` `162818206840000550` `R188678`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,998 sqft Living Area
Gross Area	2,697 sqft
1st Floor Area	1,998 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1999
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	18,936 sqft (0.435 acres)
Lot Dimensions	110 ft deep x 82 ft wide
View / Lot	Pond
Garage Type	Attached
Garage Area	429 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open/Unfinished Porch
Porch Area	270 sqft
Deck Area	325 sqft
Patio Area	325 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R188678
Street Address	976 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 55
Legal Range	16E
Legal Township	28S
Legal Section	18
Legal Subdivision	DEEP SPRING
Legal Tract	20684
Legal Lot Number	55
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 December 2, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	976 VALLEY VIEW CIR, PALM HARBOR, FL 34684-4464
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 20, 2017	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 16, 2020
Transfer Doc	0212640441
Record Updated	Jun 8, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINELLAS FL
Recording Date	Nov 20, 2020
Property Address	976 VALLEY VIEW CIR, PALM HARBOR, FL 34684-4464
Document Number	0212640441
Book / Page	021264 / 000441
Instrument Date	Oct 16, 2020
Instrument	349815
Transaction Type	Transfer
Record Updated	Dec 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	976 VALLEY VIEW CIR PALM HARBOR FL 346844464, PALM HARBOR, FL 34684-4464

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	976 VALLEY VIEW CIR, PALM HARBOR, FL 34684-4464
Document Number	0196492099
Book / Page	019649 / 002099
Instrument Date	May 20, 2017
Transaction Type	Mortgage
Record Updated	Jul 10, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	976 VALLEY VIEW CIR PALM HARBOR FL 346844464, PALM HARBOR, FL 34684-4464

Mortgage

Document Number	0196492099
Date	Jun 1, 2017
Book Page	019649/002099
Instrument	169888

Lender

Name	THIRD FED'L S&L/CLEVELAND
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 31, 2047

Interest

Rate Type	Adjustable Rate

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	$3,430.00 (+5.86%) Homeowner's exemption	$220,298 (+5.99%)	$480,695 (+0.6%) Land $155,617 Building $325,078
2024	$3,240.00 (+1.69%)
2023	$3,186.00 (+3.24%) Homeowner's exemption	$207,853 (+3%)	$477,847 (+10.04%) Land $216,884 Building $260,963
2022	$3,086.00 Homeowner's exemption	$201,799	$434,235 Land $227,623 Building $206,612

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 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.

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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