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0.17-acre property near Palm Harbor, Pinellas County

Public road frontage on Georgia Ave; partly in flood zone AE (39%).

909 Georgia Ave, Palm Harbor, FL 34683 · Parcel 15 28 01 88560 093 1100

County roll Jan 1, 2026 · Map data Nov 1, 2026

  • WorthJust value $900,000 (2026 roll) · land nearby $204k per lot median, 14 salesPinellas County tax roll, 2026 roll · land sales Mar 2024–Nov 2025
  • Sell-for (est.) Hidden: Pro only. See the price with ProPro
  • BuildZoning DPH-FBC: rules not on filePinellas County zoning map, map built Nov 2026
  • FloodPartly in flood zone AE (39%)FEMA flood map, Sep 2026
  • SewerPublic sewerFL DOH Water Management Inventory (2023)
  • Home2 units · 4,404 sq ft · built 2018
  • Acres0.17
  • Land typeHomeMultifamily, under 10 units
  • ZoningDPH-FBC
  • Future land useAC-NActivity center district
  • Flood zoneAE on 39% of the lotThe 0.2%-annual-chance zone on the rest
  • WetlandsNone mappedNational Wetlands Inventory

Land facts

City limits, Section, township, range and 12 more

From public records and official maps, each with its source and date.

  • City limitsUnincorporated Pinellas County: county zoning and permits applyPinellas County zoning map · Nov 2026
  • Section, township, rangeSection 2, Township 28 South, Range 15 East, Tallahassee MeridianBLM PLSS (CadNSDI), at the parcel's center · Oct 2026
  • Impact feesCharged on a new single-family homePinellas fee schedule · Jun 2026
  • SewerConnected (Pinellas County Utilities)FL DOH Water Management Inventory (2023)
  • WaterPublic (Pinellas County Utilities)FL DOH Water Management Inventory
  • SoilsTavares fine sand-Urban land complex, 0 to 5 percent slopesUSDA soil survey (SSURGO) · Nov 2026
  • Ground elevationAbout 11 ft above sea levelUSGS 3DEP 1/3 arc-second (about 10 m), NAVD88; about ±1–2 ft · Nov 2026
  • HighwaysUS-19 ALT is 367 ft away and the nearest interstate interchange is 3.8 mi awayOpenStreetMap roads · Nov 2026 · straight line
  • Nearest fire stationPalm Harbor Fire Rescue Station 66, 0.3 miUSGS National Structures Dataset · Oct 2026 · straight line
  • Nearest emergency roomAdventHealth North Pinellas Hospital, 3.8 miCMS Care Compare hospital list · Jul 2026 · straight line
  • Nearest public schoolsOzona Elementary, 0.5 mi · Palm Harbor Middle, 1.2 mi · Palm Harbor University High, 0.6 miNCES EDGE 2024-25 · straight line
  • Evacuation zoneZone BFDEM Know Your Zone evacuation zones · Sep 2026
  • Storm surge zoneCategory 1 storm surge zoneFDEM storm surge zones (SRES) · May 2022
  • Design wind speed144 mph; wind-borne debris regionNIST WindMaps ASCE 7-22 Risk Category II (FBC 2023) via Palm Beach County GIS · Dec 2023

Legal description and record

Parcel number, Legal description and 1 more
  • Parcel number152801885600931100Pinellas County Property Appraiser's record number
  • Legal descriptionSUTHERLAND, TOWN OFFlorida DOR tax roll · 2026 roll
  • Lot dimensionsAbout 75 × 100 ft · about 7,480 sq ftCounty parcel map outline · Nov 2026

Services and surroundings

USDA home loan area, Electric service area and 2 more

What serves the area around this parcel, from federal and state maps. Area facts, not a survey of the lot.

  • USDA home loan areaOutside the eligible areasUSDA Rural Development map, edited Jul 2023
  • Electric service areaLikely Duke Energy Florida, LLCFederal HIFLD map, 2025 copy
  • Home electricity priceDuke Energy Florida, LLC: about 18.4 cents per kWhWhat Duke Energy Florida, LLC's home customers paid on average in 2025, fixed monthly and fuel charges included (home revenue divided by kWh sold). U.S. Energy Information Administration, Form 861, 2025
  • Public land nearbyWall Springs Park, 1.9 miCounty land, open to the public. 231 acres. USGS protected areas map (PAD-US 4.1)

School district

School district

Public federal records, each with its source and date.

  • School districtPinellas County School DistrictGrades pre-K–12 · NCES EDGE school district boundaries, school year 2024–25 (Census TIGER 2025 lines), released Mar 2026

Soil for septic and building

Septic drain field, House, no basement and 2 more

Soils here are rated very limited for a septic drain field. They rate not limited for a house without a basement and very limited for one with a basement. The main soil shrinks and swells little as it wets and dries.

  • Septic drain fieldVery limitedLimits: depth to saturated zone, filtering capacity, seepage, bottom layer
  • House, no basementNot limited
  • House with basementVery limitedLimit: depth to saturated zone
  • Shrink-swellLowLinear extensibility about 0.0% at 10 to 39 in. deep

A soil-survey screening of the parcel's main soil, not a perc test. A septic permit needs the local health department's site evaluation, and a foundation design needs a soil test on the lot.

USDA NRCS soil survey (SSURGO), survey area FL103, version Aug 2026, read through NRCS Soil Data Access · sources & method

Free account: this parcel’s sale history

Continue with Googleor use email

In this areaPalm HarborLand prices, flood and zoning$229ka lot, median531vacant parcels25%in a FEMA flood zone

Road access

Road frontage, Last market sale
Has road accessOpenStreetMap roads
Road frontage
On Georgia AveThe length is not shown
Last market sale
$105,000 · Aug 2016The last arm's-length sale on record

Home facts

Building type, Bedrooms and bathrooms and 3 more

Florida Department of Revenue tax roll · 2026

Building type
Duplex
Bedrooms and bathrooms
Not on Florida's statewide tax roll
Living area
4,404 sq ft
Year built
2018
Units
2

Property tax

At least $10,560

Florida Department of Revenue tax roll and millage rates (Data Book), as of Nov 2025

Property tax (2025)
At least $10,560Taxable value $900,000 for school levies and $868,478 for other levies on the 2025 roll

Pay or check a bill at the Pinellas County Tax Collector.

Hazards

Hurricane, Coastal flooding and 6 more

FEMA National Risk Index for this census tract, not this parcel. As of Dec 2025.

Hurricane
Relatively high
Coastal flooding
Relatively high
Tornado
Relatively high
Lightning
Relatively high
Strong wind
Relatively low
Heat wave
Relatively low
Earthquake
Very low
Landslide
Very low

Recorded flood claims

Partly in flood zone AE (39%)

OpenFEMA NFIP Redacted Claims v3, as of Sep 2026

Claims since 1978
187Insured buildings in this census block group
Outside the mapped flood zone
Fewer than 10Rated zone X, B or C
Largest event
Hurricane Helene2024, 104 claims

Ground screening

A sinkhole report was filed within half a mile

Public geologic maps flag sinkholes near this parcel. Screening, not a geotechnical survey.

Sinkhole reports
A sinkhole report was filed within half a mileFlorida Geological Survey, 2003

Federal disaster declarations

sources & method and 5 more

Federal disaster declarations in Pinellas County since 2000: 30 (most recently Hurricane Milton, October 2024).

  • 17 hurricanes
  • 5 tropical storms
  • 3 severe storms
  • 2 biological emergencies (COVID-19)
  • 2 fires
  • 1 freeze
FEMA, OpenFEMA Dataset: Disaster Declarations Summaries - v2, as of October 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data · sources & method

Development nearby

2020–2025, 2015–2025 and 1 more

Little new development: the land within a mile was already mostly built up, water or bare ground by 2020 (under 5 acres of open land turned developed in 2020–2025).

2020–2025
Under 5 acresWithin a mile, open land turned developed
2015–2025
About 6 acresThe same, over 10 years
Typical in Pinellas County
Under 5 acresThe middle of the county's land, 2020–2025

Value history

Roll values set for property tax · Florida Department of Revenue tax roll (NAL) · 2026
YearLandImprovementsJust valueChange
2026$166,164$733,836$900,000No change
2025$176,235$723,765$900,000+5.9%

Roll values set for property tax · Florida Department of Revenue tax roll (NAL) · 2026

Home values in ZIP 34683 rose about 53% over 5 years and fell about 5% in the last year (FHFA, 2025).

FHFA House Price Index, all-transactions, annual five-digit ZIP code index, 2025, last updated March 31, 2026. Method: Bogin, Doerner and Larson, “Local House Price Dynamics: New Indices and Stylized Facts”, FHFA Working Paper 16-01 · sources & method

Vacant land prices nearby

$204k per lot

$204k per lot

Median of 14 sales of off-water vacant lots, Mar 2024–Nov 2025

Sales area: Palm Harbor

Land prices nearby
Land typeMedianMiddle half
Off-water vacant lots$204k/lot$180k–$300k

In Pinellas County, Operator shows code-enforcement records on the parcel when there are any, each dated, with its source. What owner signals are →

Nearby

Median household income, Median home value (owner-reported) and 5 more
  • site plan: ST GEORGE PALM HARBOR RSU (COM)Development, approvedunder 0.1 mi
  • site plan: WERMICK AUTO SALES (COM)Development, approved0.1 mi
  • site plan: PATRIOT BANK PALM HARBOR (COM)Development, approved0.1 mi
  • site plan: FCI - BANK IN PALM HARBOR (COM)Development, proposed0.1 mi
  • site plan: THIRSTY CANTINA - OPH - ADDITION/REMODEL…

    site plan: THIRSTY CANTINA - OPH - ADDITION/REMODEL (COM)

    Development, approved
    0.1 mi

Neighborhood (Census)

Census ACS 2020–2024 5-year, as of Jan 2026

Median household income
$93,952± $27,637 · census tract (block group sample too small)
Median home value (owner-reported)
$543,200± $105,677
Median rent (gross)
$1,357± $411
Homes lived in by their owners
86%± 18 pts
Median year homes were built
1989± 13 yr
Average commute (one way)
29 min± 11 min · census tract (not published for block groups)
Population
1,366± 506

Figures for the census block group around this parcel (a few hundred homes), not this property. This product uses Census Bureau data but is not endorsed or certified by the Census Bureau.

Nearby homes

937 Georgia Ave and 5 more
Sources & methodSources, dates and how the estimates are tested

Soil for septic and building

Source: USDA NRCS soil survey (SSURGO), survey area FL103, version Aug 2026, read through NRCS Soil Data Access.

The parcel's soil map unit: Tavares fine sand-Urban land complex, 0 to 5 percent slopes. Its main component is Tavares (43% of the unit).

The ratings are NRCS's own map-unit interpretations (dominant condition): ENG - Septic Tank Absorption Fields, ENG - Dwellings W/O Basements and ENG - Dwellings With Basements. The limits listed are the features NRCS names for the main component. Shrink-swell is that component's linear extensibility, depth-weighted from 25 to 100 cm, the layer NRCS's homesite rule reads; NRCS classes: low under 3%, moderate 3 to 6%, high 6 to 9%, very high 9% or more.

A screening, not a perc test or a soil boring: soils vary inside a map unit (survey scale about 1:12,000 to 1:24,000), and fill or grading may have changed the lot.

Property tax

A minimum: the county-wide and city rates the state publishes times the roll's taxable value. The bill also carries the levies this figure leaves out; the county's bill is the official figure. Excludes levies on part of the county (fire, library and other special districts, unincorporated-area MSTUs) and non-ad valorem assessments.

Property tax · Due dates

Florida 2026 taxes: 4% discount if paid in November; due by March 31, 2027.

Sources: Florida Statutes 197.162, 197.333, 197.222 and 194.011. Checked Oct 13, 2026.

Hazards

Ratings come from FEMA's National Risk Index (v1.20, planning-level) and the public federal and state maps named on each row, not a private climate model. FEMA rates each census tract from expected annual losses, community resilience and social vulnerability, for planning; it is not an assessment of this parcel.

Recorded flood claims

Insured buildings near this parcel, not the parcel itself. FEMA counts claims on buildings with NFIP flood insurance, so land that never had an insured building has no claims to count. The count is the parcel's census block group when it has 10 or more, else its tract's; a count under 10 prints as "Fewer than 10". Source: OpenFEMA NFIP Redacted Claims v3.

Ground screening

Florida Department of Environmental Protection, Florida Geological Survey (FGS): FGS subsidence incident reports, read Oct 2026. Reports of ground subsidence filed with the FGS since 1909. Most were never checked by a geologist, so a report is not a confirmed sinkhole; reports the FGS marked as not a sinkhole are left out. Searched within half a mile of the parcel's map point; the year is the nearest report's. Report locations can be approximate. Distances are from the parcel's map point. Screening, not a geotechnical survey. A soil or geotechnical engineer can say what the ground under a building site will do.

Federal disaster declarations

Each federal declaration whose designated areas include the county, declared from January 2000 on, counted once by its FEMA disaster number. An emergency declaration and a major-disaster declaration for the same storm are two declarations, as FEMA numbers them. Declarations for tribal lands alone are not counted. The date shown is when the most recent incident began. Types are FEMA's incident types: an evacuation emergency for a storm elsewhere (Hurricane Katrina, 2005) counts under that storm. By kind: 14 major disasters, 14 emergencies and 2 fire-management declarations.

Source: FEMA, OpenFEMA Dataset: Disaster Declarations Summaries - v2, as of October 2026. This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data.

Development nearby

Counted from USGS Annual NLCD land cover (USGS Annual NLCD Collection 1.2, 30 m maps made from Landsat imagery, 2015, 2020 and 2025; public domain, DOI 10.5066/P94UXNTS). A 30 m square counts when it was forest, shrub, grassland, pasture, cropland or wetland in the start year and developed in 2025: NLCD's developed classes, from lawns, parks and roads to dense buildings. The squares are summed over the land within about a mile of this parcel's center on a 240 m grid, so the figures are rounded. "Most of the county" compares the same one-mile figure across the county's land. A satellite land-cover map misses some changes and mislabels a few, so read it as a guide to how fast the area is building out, not a survey. As of 2025 land cover.

Value history

This tracks home values, not land values. Land buyers read it as a sign of demand nearby: where homes gain value, builders and buyers follow. A vacant lot can move differently.

How: the change in FHFA's annual five-digit ZIP code index from 2020 and 2024 to 2025, rounded. The index follows repeat sales and refinance appraisals of the same single-family homes with Fannie Mae or Freddie Mac mortgages. It is in today's dollars, not adjusted for inflation, and FHFA calls these local indexes developmental. Where FHFA's sample is too small it publishes no figure, and none prints here.

Source: FHFA House Price Index, all-transactions, annual five-digit ZIP code index, 2025, last updated March 31, 2026. Method: Bogin, Doerner and Larson, “Local House Price Dynamics: New Indices and Stylized Facts”, FHFA Working Paper 16-01.

Neighborhood (Census)

± is the Census 90% margin of error; a figure comes from the larger census tract when the block group's sample is too small.

At a glance: each fact's source and date

Each figure in the grid above, where it comes from and the date of the file or map we read.

Acres: Pinellas County tax roll (Florida Department of Revenue), 2026 roll.

Land type: Pinellas County tax roll (Florida Department of Revenue), 2026 roll.

Zoning: Pinellas County zoning map, map built Nov 1, 2026.

Future land use: Pinellas County land-use map, map built Nov 1, 2026.

Flood zone: FEMA flood map, as of Sep 2026.

Wetlands: USFWS National Wetlands Inventory, as of Sep 2026.

Just value (county): Pinellas County tax roll (Florida Department of Revenue), 2026 roll.

Last sale: Pinellas County deed record, recorded Oct 2025.

How each fact is measured

Soils: Soils rate very limited for septic.

Nearest fire station: USGS National Structures Dataset, fire and EMS stations, Oct 2026.

Nearest fire station: Straight line, not road miles. Insurers' fire protection class (ISO) counts road miles to a responding station, often 5 or fewer. A station missing from the federal list would be closer.

Nearest emergency room: CMS Care Compare hospital list (hospitals that report an emergency department), located by the U.S. Census Bureau geocoder, the USGS building or the county parcel record, Jul 2026.

Nearest emergency room: Straight line, not road miles or drive time. Names are the hospital's Medicare listing or its building name on the USGS map. Veterans', military, children's and psychiatric hospitals are not counted.

Nearest public schools: Straight line from the parcel's map point, not road miles. The nearest school is not necessarily the one a home here is zoned for. The school district sets attendance zones, so check with the district. Regular public schools only; charter, online and alternative schools are not counted.

USDA home loan area: Household income limits also apply.

Electric service area: An approximate map: confirm with the utility.

Home electricity price: Your bill depends on your use and rate plan.

Public land nearby: Being nearby does not give access or hunting rights.

School district: A district, not an assigned school.

0.17-acre improved parcel in Palm Harbor, Pinellas County: zoned DPH-FBC, 39% in FEMA zone AE, no mapped wetlands; off-water vacant lots in Palm Harbor sold for a median of $204k per lot (14 sales, Mar 2024–Nov 2025). Map data as of Nov 1, 2026.

Land prices

Latest arm's-length sale per vacant parcel (lots of half to twice this lot's size, priced per lot), last three years.

Last sale

$100 transfer, Oct 2025, not a market sale.

Sources

Public county records: the tax roll, GIS zoning and land use, FEMA flood zones and USFWS wetlands. Map data as of Nov 1, 2026.

County property record →

Parcel outline

The outline and its edge lengths are measured on the county parcel map the map draws; the aerial loads from the public imagery named under it.

Record

Public records can be wrong; check before you act.

Parcel: 15 28 01 88560 093 1100

Coordinates: 28.0774° N, 82.7684° W

Estimates for your own analysis, not an appraisal or a broker price opinion.

Owners

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