2004 Montego Ct, Oldsmar, FL 34677 Property Records

Pinellas County property record for 2004 Montego Ct, Oldsmar, FL 34677

Property Summary

Property Type	Planned Unit Development
Details	2 bd · 2 ba · 1,143 sqft · built 1984
Lot Size	0.064 acres (2,800 sqft)
Owner	Individual Name on File
Last Sale	$173,000 (Sep 2019)
Tax Bill	$2,101 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`C62-000-759-6306-6`

Property Details

APN / Parcel Number

Primary APN	`C62-000-759-6306-6`
Alternative APNs	`16-28-16-05069-000-0340` `281616050690000340` `R169461`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,143 sqft Living Area
1st Floor Area	1,143 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1991
Exterior Material	Brick/Stone
Construction Type	Wood
Lot Area	2,800 sqft (0.064 acres)
View / Lot	Interior
Garage Type	Attached
Parking Spaces	1 Parking Space
Porch	Patio
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	R169461
Street Address	2004 MONTEGO CT
City	OLDSMAR
State	FL
Zip	34677-2531
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Legal Description	BAYSIDE MEADOWS PHASE II SEC 2, A PARTIAL REPLAT LOT 34
Legal Range	16E
Legal Township	28S
Legal Section	16
Legal Subdivision	BAYSIDE MEADOWS PHASE II
Legal Phase	2
Legal Tract	5069
Legal Lot Number	34
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	2
Census Block	2000
Census Tract	27319

Owner

2004 Montego Ct, a planned unit development, is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	2004 MONTEGO CT, OLDSMAR, FL 34677-2531
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
Sep 27, 2019	Warranty Deed, Transfer · Conventional Mortgage HOMESPIRE MORTGAGE CORP
Mar 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2019 · Amount on File
Deed Sale	Sep 27, 2019 · Amount on File
Prior Sale	Jun 25, 2001 · Amount on File
Deed Document Number	2019312723
Deed Book / Page	20710 / 1854
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 27, 2019
Property Address	2004 MONTEGO CT, OLDSMAR, FL 34677-2531
Document Number	0207101854
Book / Page	20710 / 1854
Map Reference	MB 85 PG 7-9
Instrument Date	Sep 26, 2019
Instrument	2019312723
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	PALMA TTL & RE CLOSINGS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,211.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2004 MONTEGO CT, 2004, OLDSMAR, FL 34677-2531

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 K ST, CLEARWATER, FL 33759-4410

Mortgage

Document Number	0207101856
Date	Sep 27, 2019
Instrument	20710/1856

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	2004 MONTEGO CT, OLDSMAR, FL 34677-2531
Document Number	0199850651
Instrument Date	Mar 14, 2018
Transaction Type	Mortgage
Record Updated	Apr 11, 2018
Title Company	TALON TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2004 MONTEGO CT OLDSMAR FL 346772531, OLDSMAR, FL 34677-2531

Mortgage

Document Number	0199850651
Date	Mar 23, 2018
Book Page	019985/000651
Instrument	89469

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 22, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2004 Montego Ct was $2,101 with a homeowner's exemption.

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	$2,101.00 Homeowner's exemption	$161,441	$221,449 Building $221,449
2023	$1,933.00 (+3.54%) Homeowner's exemption	$152,321 (+3%)	$204,058 (+3.24%) Building $204,058
2022	$1,867.00 Homeowner's exemption	$147,884	$197,659 Building $197,659

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

Flood

FEMA maps place 2004 Montego Ct in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 453 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	453 in force
Nearby Flood Claims	40 (1979–2025)
Claims Outside the SFHA	15 of 40
Most Recent Claim	Nov 2025 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 4 claims Hurricane Helene, Sep 2024 · 4 claims Hurricane Elena, Sep 1985 · 8 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 2004 Montego Ct 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 716 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	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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