1025 Oak St, Dunedin, FL 34698 Property Records

Pinellas County property record for 1025 Oak St, Dunedin, FL 34698

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,490 sqft · built 1937
Lot Size	0.165 acres (7,205 sqft)
Owner	2 Individual Names on File
Last Sale	$639,000 (Oct 2021)
Tax Bill	$4,744 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Oct 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-743-1853-6`

Property Details

APN / Parcel Number

Primary APN	`C62-000-743-1853-6`
Alternative APNs	`27-28-15-62874-003-0140` `281527628740030140` `152827628740030140` `R290798`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,490 sqft Living Area
Gross Area	1,930 sqft
1st Floor Area	1,032 sqft
Upper Floors Area	458 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1989
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,205 sqft (0.165 acres)
Lot Dimensions	145 ft deep x 50 ft wide

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Deck Area	360 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R290798
Street Address	1025 OAK ST
City	DUNEDIN
State	FL
Zip	34698-5842
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKLAND SUB BLK 3, LOT 14
Legal Range	15E
Legal Township	28S
Legal Section	27
Legal Subdivision	OAKLAND SUB
Legal Tract	62874
Legal Block	3
Legal Lot Number	14
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2020
Census Tract	27108

Owner

1025 Oak St is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1025 OAK ST, DUNEDIN, FL 34698-5842
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 20, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Oct 22, 2021	Warranty Deed, Transfer · Conventional Mortgage INNOVATIVE MORTGAGE SERVICES
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Feb 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU
Jun 12, 2018	Warranty Deed, Transfer TEXAS TITLE SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2021 · Amount on File
Deed Sale	Oct 22, 2021 · Amount on File
Prior Sale	Jun 12, 2018 · Amount on File
Deed Document Number	2021346225
Deed Book / Page	21773 / 1648
Prior Transfer Date	Oct 20, 2015
Prior Transfer Doc	0189630617
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	1025 OAK ST, DUNEDIN, FL 34698-5842
Transaction Type	Mortgage
Record Updated	Jan 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 OAK ST, DUNEDIN, FL 34698-5842

Mortgage

Document Number	0226571431
Date	Dec 20, 2023
Book Page	22657/1431
Instrument	2023321464

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 22, 2021
Property Address	1025 OAK ST, DUNEDIN, FL 34698-5842
Document Number	0217731648
Book / Page	21773 / 1648
Map Reference	MB 3 PG 3
Instrument Date	Oct 21, 2021
Instrument	2021346225
Transaction Type	Transfer
Record Updated	Nov 3, 2021
Title Company	GREENLEAF TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,473.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 OAK ST, DUNEDIN, FL 34698-5842

Mortgage

Document Number	217731650
Date	Oct 22, 2021
Instrument	21773/1650

Lender

Name	INNOVATIVE MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	1025 OAK ST, DUNEDIN, FL 34698-5842
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 OAK ST, DUNEDIN, FL 34698-5842

Mortgage

Document Number	0214911129
Date	Apr 19, 2021
Book Page	21491/1129
Instrument	2021126829

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	1025 OAK ST, DUNEDIN, FL 34698-5842
Document Number	0210381973
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 OAK ST DUNEDIN FL 346985842, DUNEDIN, FL 34698-5842

Mortgage

Document Number	0210381973
Date	Jun 15, 2020
Book Page	021038/001973
Instrument	179363

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 14, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	1025 OAK ST, DUNEDIN, FL 34698-5842
Document Number	0204501709
Instrument Date	Feb 26, 2019
Transaction Type	Mortgage
Record Updated	Mar 19, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1025 OAK ST DUNEDIN FL 346985842, DUNEDIN, FL 34698-5842

Mortgage

Document Number	0204501709
Date	Mar 5, 2019
Book Page	020450/001709
Instrument	69238

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 4, 2034

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jun 12, 2018
Property Address	1025 OAK ST, DUNEDIN, FL 34698-5842
Document Number	0200861743
Book / Page	020086 / 001743
Instrument Date	Jun 1, 2018
Instrument	186155
Transaction Type	Transfer
Record Updated	Jul 5, 2018
Title Company	TEXAS TITLE SOLUTIONS

Transaction

Amount	Amount on Record
Tax	$1,739.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 OAK ST DUNEDIN FL 346985842, DUNEDIN, FL 34698-5842

Tax Assessment & Valuation

The 2025 property tax bill for 1025 Oak St was $4,744 with a homeowner's exemption, up 5.8% from the year before.

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	$4,744.00 (+5.8%) Homeowner's exemption	$311,085	$561,879 Land $260,653 Building $301,226
2024	$4,484.00 (+1.54%)
2023	$4,416.00 (+2.84%) Homeowner's exemption	$293,513 (+3%)	$460,654 (+10.3%) Land $215,006 Building $245,648
2022	$4,294.00 Homeowner's exemption	$284,964	$417,652 Land $224,708 Building $192,944

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1025 Oak St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 2023.

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 79 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 units insured incl. 94 condo units
Nearby Flood Claims	15 (2023–2024)
Claims Outside the SFHA	2 of 15
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 14 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

Wildfire risk around 1025 Oak St is low, with less than a 0.01% annual chance of 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	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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