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Single Family ResidenceResidential
$668,568$209 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $92,000 on May 10, 1999

4540 RUTLEDGE DR

PALM HARBOR, FL 34685
4
Baths
3,193 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.54 ac
Lot SizeThe size of the land the home sits on, from county records.
2000
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$669K
$604K low$733K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$92,000 · May 10, 1999
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.115%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$400,000
AMSOUTH BANK · recorded Aug 12, 2003
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$393,000
SYNOVUS BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,091 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$472,919 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$459,591
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$870,610

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.24 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.45%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyPinellas
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2003
Lot (acres)The size of the land the home sits on, from county records.0.54
ConstructionThe main material the home's frame and walls are built from.Concrete Blocks
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
ViewThe type of view from the property, or another feature of the site that affects value.Park
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 640 ft²Patio · 640 ft²Porch · 368 ft²Water feature

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
East Lake High SchoolB+
High · Grades 9–12 · 1.2 mi
E
Brooker Creek ElementaryA
Elementary · Grades PK–5 · 1.9 mi
M
Tarpon Springs Middle SchoolB-
Middle · Grades 6–8 · 4.5 mi

District: Pinellas County School District

Neighborhood · ZIP 34685These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.53
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.73
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.20

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.32%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.16,301
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,351 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$104,160
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$134,511
Average tempThe average temperature here across a full year.72°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.66%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

4540 Rutledge Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 83% of homes in Pinellas County
  • Costs less per square foot than 78% of homes in Pinellas County
  • Bigger than 96% of homes in Pinellas County
  • Has a bigger lot than 90% of homes in Pinellas County
  • Newer than 91% of homes in Pinellas County

What homes are worth in Palm Harbor 34685

Each bar is how many homes fall in that price range. The marker is this home.

This home
$175K$1.2M

This home is worth more than 77% of homes in Palm Harbor 34685.

How it measures up in Palm Harbor 34685

The dot is this home. The mark in the middle is the typical home in Palm Harbor 34685.

Estimated value$668,568
CheaperTypical $470,256Pricier

Pricier than 77% of homes nearby

Price per ft²$209
CheaperTypical $224Pricier

Pricier than 35% of homes nearby

Living area3,193 ft²
SmallerTypical 1,950 ft²Bigger

Bigger than 87% of homes nearby

Lot size0.54 ac
SmallerTypical 0.28 acBigger

Bigger than 86% of homes nearby

Year built2000
OlderTypical 1993Newer

Newer than 86% of homes nearby

How 4540 Rutledge Dr ranks against every home in each area.
MeasureThis homePalm Harbor 34685Pinellas County
Estimated valuepricier than$668,56877% of homes83% of homes
Price per ft²pricier than$20935% of homes22% of homes
Living areabigger than3,193 ft²87% of homes96% of homes
Lot sizebigger than0.54 ac86% of homes90% of homes
Year builtnewer than200086% of homes91% of homes

About 4540 Rutledge Dr

How much is 4540 Rutledge Dr, Palm Harbor, FL worth?

The TopHap Estimate for 4540 Rutledge Dr, Palm Harbor, FL is $668,568 as of Jul 14, 2026. The likely range is $604,101 to $733,035. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4540 Rutledge Dr, Palm Harbor, FL last sell?

4540 Rutledge Dr, Palm Harbor, FL last sold on May 10, 1999 for $92,000, according to the county's recorded deed.

How big is 4540 Rutledge Dr, Palm Harbor, FL?

4540 Rutledge Dr, Palm Harbor, FL has 4 bathrooms, 3,193 square feet of living space and a 0.54-acre lot.

When was 4540 Rutledge Dr, Palm Harbor, FL built?

4540 Rutledge Dr, Palm Harbor, FL was built in 2000, making it 26 years old. The building has 1 story.

What schools serve 4540 Rutledge Dr, Palm Harbor, FL?

4540 Rutledge Dr, Palm Harbor, FL is assigned to East Lake High School (high), rated B+; Brooker Creek Elementary (elementary), rated A; Tarpon Springs Middle School (middle), rated B-. All sit in Pinellas County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4540 Rutledge Dr, Palm Harbor, FL compare to other homes in Palm Harbor 34685?

Among the 6,972 homes in Palm Harbor 34685, it is worth more than 77% of them ($668,568 against a typical $470,256), its price per square foot is higher than 35% of them ($209 against a typical $224), it is bigger than 87% of them (3,193 ft² against a typical 1,950 ft²), its lot is bigger than 86% of them (0.54 ac against a typical 0.28 ac) and it is newer than 86% of them (2000 against a typical 1993). Measured against all of Pinellas County, it is worth more than 83% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 4540 Rutledge Dr, Palm Harbor, FL?

The 2025 property tax bill for 4540 Rutledge Dr, Palm Harbor, FL was $8,091. The county assessed it at $472,919.

More homes on Rutledge Dr

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More homes in Palm Harbor 34685

Assigned schools

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