11 Emerald Bay Dr, Oldsmar, FL 34677 Property Records

Pinellas County property record for 11 Emerald Bay Dr, Oldsmar, FL 34677

Property Summary

Property Type	Planned Unit Development
Details	2 bd · 3 ba · 1,235 sqft · built 1991
Lot Size	0.047 acres (2,047 sqft)
Owner	Individual Name on File
Last Sale	$268,600 (Aug 2022)
Tax Bill	$4,064 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`C62-000-759-5584-9`

Property Details

APN / Parcel Number

Primary APN	`C62-000-759-5584-9`
Alternative APNs	`15-28-16-25790-000-0110` `281615257900000110` `162815257900000110` `R159813`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,235 sqft Living Area
1st Floor Area	1,235 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1997
Exterior Material	Brick/Stone
Construction Type	Wood
Lot Area	2,047 sqft (0.047 acres)
View / Lot	Corner
Garage Type	Carport
Carport	Carport
Porch	Patio
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	R159813
Street Address	11 EMERALD BAY DR
City	OLDSMAR
State	FL
Zip	34677-5000
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Legal Description	EMERALD BAY LOT 11
Legal Range	16E
Legal Township	28S
Legal Section	15
Legal Subdivision	EMERALD BAY
Legal Tract	25790
Legal Lot Number	11
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	4
Census Block	4004
Census Tract	27319

Owner

11 Emerald Bay Dr, a planned unit development, is owned by an individual who bought it in August 2022.

Source: Pinellas County records, as of September 10, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	850 PACIFIC ST, 108, STAMFORD, CT 06902-7392
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2022 · Amount on File
Deed Sale	Aug 3, 2022 · Amount on File
Prior Sale	Mar 18, 2014 · Amount on File
Deed Document Number	2022237545
Deed Book / Page	22156 / 643
Prior Transfer Date	Mar 20, 2014
Prior Transfer Doc	0183750346
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Aug 3, 2022
Property Address	11 EMERALD BAY DR, OLDSMAR, FL 34677-5000
Document Number	0221560643
Book / Page	22156 / 643
Map Reference	MB 105 PG 9&10
Instrument Date	Jul 29, 2022
Instrument	2022237545
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,880.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1869 EAGLE TRACE BLVD, PALM HARBOR, FL 34685-3315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 OAK ST, HARRISON, NY 10528-3522

Mortgage

Document Number	0221560646
Date	Aug 3, 2022
Book Page	22156/646
Instrument	2022237546

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 11 Emerald Bay Dr was $4,064, up 13% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,064.00 (+13.01%)	$233,469 Building $233,469	$233,469 Building $233,469
2024	$3,596.00 (-3.64%)
2023	$3,732.00 (+33.81%)	$214,002 (+12.3%)	$214,002 (+12.3%) Building $214,002
2022	$2,789.00	$190,562	$190,562 Building $190,562

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

Flood

FEMA maps place 11 Emerald Bay Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 195 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	195 in force
Nearby Flood Claims	2 (2024)
Most Recent Claim	Oct 2024 · Hurricane Milton

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 11 Emerald Bay Dr is low, with 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	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	OLDSMAR WATER SYSTEM serves 14,898 people · EPA ID FL6521417
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 288 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20