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15 Emerald Bay Dr, Oldsmar, FL 34677 Property Records

Pinellas County property record for 15 Emerald Bay Dr, Oldsmar, FL 34677

Property Summary

Property TypePlanned Unit Development
Details2 bd · 1,235 sqft · built 1992
Lot Size0.061 acres (2,662 sqft)
Owner2 Individual Names on File
Last Sale$240,000 (Jan 2023)
Tax Bill$3,328 (2025)
Deeds & MortgagesJan 2023 Sale & Mortgage
Flood ZoneZone AE (high risk)
APNC62-000-759-5588-0

Property Details

APN / Parcel Number

Primary APNC62-000-759-5588-0
Alternative APNs
  • 15-28-16-25790-000-0150
  • 281615257900000150
  • 162815257900000150
  • R159817

Interior

Bedrooms2 Beds
Stories2 Stories
Building Area1,235 sqft Living Area
1st Floor Area1,235 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1997
Exterior MaterialBrick/Stone
Construction TypeWood
Lot Area2,662 sqft (0.061 acres)
View / LotCorner
Garage TypeCarport
CarportCarport
PorchPatio

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account NumberR159817
Street Address15 EMERALD BAY DR
CityOLDSMAR
StateFL
Zip34677-5000
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Planned Unit Development
Legal DescriptionEMERALD BAY LOT 15 LESS WLY 4FT
Legal Range16E
Legal Township28S
Legal Section15
Legal SubdivisionEMERALD BAY
Legal Tract25790
Legal Lot Number15
JurisdictionPINELLAS FL
Township / Civil DivisionTARPON SPRINGS
Census Block Group4
Census Block4004
Census Tract27319

Owner

15 Emerald Bay Dr, a planned unit development, is owned and occupied by two individuals who bought it in January 2023.

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

Owner of Record2 Individual Names on File
Mailing Address15 EMERALD BAY DR, OLDSMAR, FL 34677-5000
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 9, 2023 · Amount on File
Deed SaleJan 9, 2023 · Amount on File
Prior SaleMar 23, 1998 · Amount on File
Deed Document Number20235917
Deed Book / Page22311 / 1565
Prior Transfer DateAug 16, 2004
Prior Transfer Doc0137760044
Record UpdatedOct 29, 2026

January 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateJan 9, 2023
Property Address15 EMERALD BAY DR, OLDSMAR, FL 34677-5000
Document Number0223111565
Book / Page22311 / 1565
Map ReferenceMB 105 PG 9&10
Instrument DateJan 5, 2023
Instrument2023005917
Transaction TypeTransfer
Record UpdatedFeb 1, 2023
Title CompanySCARAB T&E SVCS LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,680.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5151 MORNING SONG DR, MEDINA, OH 44256-6729

Transferred To (Grantee/Buyer)

NameVerified Name
Address435 16TH AVE SE, LARGO, FL 33771-4440

Mortgage

Document Number0223111567
DateJan 9, 2023
Instrument22311/1567
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 15 Emerald Bay Dr was $3,328 with a homeowner's exemption, down 7.5% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountyPinellas County
MunicipalityOldsmar City
Unified School DistrictPinellas County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,328.00 (-7.48%) Homeowner's exemption$231,514 Building $231,514$231,514 Building $231,514
2024$3,597.00 (+563.65%)
2023$542.00 (+1.69%) Homeowner's exemption$67,901 (+3%)$214,044 (+12.3%) Building $214,044
2022$533.00 Homeowner's exemption$65,923$190,601 Building $190,601

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 15 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation11.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 195 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies195 in force
Nearby Flood Claims2 (2024)
Most Recent ClaimOct 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 15 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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemOLDSMAR WATER SYSTEM
serves 14,898 people · EPA ID FL6521417
Water SourceGroundwater
Last State InspectionApr 2024
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting5
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

ProviderMax 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

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