24 Emerald Bay Dr, Oldsmar, FL 34677 Property Records

Pinellas County property record for 24 Emerald Bay Dr, Oldsmar, FL 34677

Property Summary

Property Type	Planned Unit Development
Details	2 bd · 3 ba · 1,235 sqft · built 1992
Lot Size	0.05 acres (2,191 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Oct 2023)
Tax Bill	$2,931 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Oct 2023 Sale & Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`C62-000-759-5597-1`

Property Details

APN / Parcel Number

Primary APN	`C62-000-759-5597-1`
Alternative APNs	`15-28-16-25790-000-0240` `281615257900000240` `162815257900000240` `R159826`

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 1992
Effective Year Built	Effective 1997
Exterior Material	Brick/Stone
Construction Type	Wood
Lot Area	2,191 sqft (0.05 acres)
View / Lot	Corner
Porch	Patio
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	R159826
Street Address	24 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 24
Legal Range	16E
Legal Township	28S
Legal Section	15
Legal Subdivision	EMERALD BAY
Legal Tract	25790
Legal Lot Number	24
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	4
Census Block	4004
Census Tract	27319

Owner

24 Emerald Bay Dr, a planned unit development, is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Mailing Address	24 EMERALD BAY DR, OLDSMAR, FL 34677-5000
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Mar 19, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 18, 2023	Warranty Deed, Transfer · FHA Mortgage CONTOUR MORTGAGE CORP
Nov 14, 2022	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
Apr 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jan 18, 2022	Warranty Deed, Transfer VANTAGE POINT TITLE
Nov 16, 2017	Warranty Deed, Transfer · Conventional Mortgage RAYMOND JAMES BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2023 · Amount on File
Deed Sale	Oct 18, 2023 · Amount on File
Prior Sale	Jan 18, 2022 · Amount on File
Deed Document Number	2023266596
Deed Book / Page	22597 / 740
Prior Transfer Date	Aug 30, 2022
Prior Transfer Doc	0222610238
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	24 EMERALD BAY DR, OLDSMAR, FL 34677-5000
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 EMERALD BAY DR, OLDSMAR, FL 34677-5000

Mortgage

Document Number	0234930688
Date	Mar 19, 2026
Book Page	23493/688
Instrument	2026074900

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 18, 2023
Property Address	24 EMERALD BAY DR, OLDSMAR, FL 34677-5000
Document Number	0225970740
Book / Page	22597 / 740
Map Reference	MB 105 PG 9&10
Instrument Date	Oct 12, 2023
Instrument	2023266596
Transaction Type	Transfer
Record Updated	Oct 31, 2023
Title Company	VANTAGE POINT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1508, SEFFNER, FL 33583-1508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 EMERALD BAY DR, OLDSMAR, FL 34677-5000

Mortgage

Document Number	0022597742
Date	Oct 18, 2023
Instrument	22597/742

Lender

Name	CONTOUR MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINELLAS FL
Recording Date	Nov 14, 2022
Property Address	24 EMERALD BAY DR, OLDSMAR, FL 34677-5000
Document Number	0222610238
Book / Page	22261 / 238
Map Reference	MB 105 PG 9&10
Instrument Date	Aug 30, 2022
Instrument	2022328529
Transaction Type	Transfer
Record Updated	Dec 9, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19696 SHIP WHEEL WAY, 19696, LAND O LAKES, FL 34638-5833

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1508, SEFFNER, FL 33583-1508

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	24 EMERALD BAY DR, OLDSMAR, FL 34677-5000
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19696 SHIP WHEEL WAY, LAND O LAKES, FL 34638-5833

Mortgage

Document Number	0220212661
Date	Apr 15, 2022
Book Page	22021/2661
Instrument	2022119900

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jan 18, 2022
Property Address	24 EMERALD BAY DR, OLDSMAR, FL 34677-5000
Document Number	0218940884
Book / Page	21894 / 884
Map Reference	MB 105 PG 9&10
Instrument Date	Jan 13, 2022
Instrument	2022016874
Transaction Type	Transfer
Record Updated	Jan 31, 2022
Title Company	VANTAGE POINT TITLE

Transaction

Amount	Amount on Record
Tax	$1,599.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 EMERALD BAY DR, OLDSMAR, FL 34677-5000

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Nov 16, 2017
Property Address	24 EMERALD BAY DR, OLDSMAR, FL 34677-5000
Document Number	0198432252
Book / Page	19843 / 2252
Map Reference	PG105 PG9&10
Instrument Date	Nov 15, 2017
Instrument	2017350885
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	VANTAGE POINT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,029.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2692 ENTERPRISE RD E # E903, 2692, CLEARWATER, FL 33759-1033

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 EMERALD BAY DR, OLDSMAR, FL 34677-5000

Mortgage

Document Number	2017350886
Date	Nov 16, 2017
Instrument	2017350886

Lender

Name	RAYMOND JAMES BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 24 Emerald Bay Dr was $2,931 with exemptions applied, up 6.2% 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	$2,931.00 (+6.2%) Homeowner's exemption Disabled Person's exemption	$213,826	$230,819 Building $230,819
2024	$2,760.00 (-26.06%)
2023	$3,733.00 (+148.7%)	$214,044 (+68.49%)	$214,044 (+14.66%) Building $214,044
2022	$1,501.00 Homeowner's exemption	$127,039	$186,678 Building $186,678

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

Flood

FEMA maps place 24 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 24 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

24 Emerald Bay Dr, Oldsmar, FL 34677 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2022: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

April 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

November 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Emerald Bay Dr

Nearby Streets

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