1. Home
  2. Florida
  3. Pinellas County
  4. Oldsmar
  5. Emerald Bay Dr

25 Emerald Bay Dr, Oldsmar, FL 34677 Property Records

Pinellas County property record for 25 Emerald Bay Dr, Oldsmar, FL 34677

Property Summary

Property TypePlanned Unit Development
Details3 bd · 2 ba · 1,264 sqft · built 1992
Lot Size0.073 acres (3,180 sqft)
OwnerIndividual Name on File
Last Sale$300,000 (Jun 2024)
Tax Bill$3,555 (2025)
Deeds & MortgagesJan 2022 Mortgage
Jul 2018 Sale & Mortgage
Flood ZoneZone AE (high risk)
APNC62-000-759-5598-9

Property Details

APN / Parcel Number

Primary APNC62-000-759-5598-9
Alternative APNs
  • 15-28-16-25790-000-0250
  • 281615257900000250
  • 162815257900000250
  • R159827

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,264 sqft Living Area
1st Floor Area1,264 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1997
Exterior MaterialBrick/Stone
Construction TypeWood
Lot Area3,180 sqft (0.073 acres)
View / LotCorner
PorchPatio
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account NumberR159827
Street Address25 EMERALD BAY DR
CityOLDSMAR
StateFL
Zip34677-5001
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Planned Unit Development
Legal DescriptionEMERALD BAY LOT 25
Legal Range16E
Legal Township28S
Legal Section15
Legal SubdivisionEMERALD BAY
Legal Tract25790
Legal Lot Number25
JurisdictionPINELLAS FL
Township / Civil DivisionTARPON SPRINGS
Census Block Group4
Census Block4004
Census Tract27319

Owner

25 Emerald Bay Dr, a planned unit development, is owned and occupied by an individual who bought it in June 2024.

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

Owner of RecordIndividual Name on File
Mailing Address25 EMERALD BAY DR, OLDSMAR, FL 34677-5001
OccupancyOwner Occupied
Owner TypeIndividual
VestingUnmarried 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

DateDocument
Jan 31, 2022Deed of Trust, Mortgage · Conventional Mortgage
JPMORGAN CHASE BANK NA
Jul 5, 2018Warranty Deed, Transfer · Conventional Mortgage
JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 10, 2024 · Amount on File
Deed SaleJun 10, 2024 · Amount on File
Prior SaleJul 5, 2018 · Amount on File
Deed Document Number2024147414
Deed Book / Page22825 / 2690
Record UpdatedOct 29, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address25 EMERALD BAY DR, OLDSMAR, FL 34677-5001
Transaction TypeMortgage
Record UpdatedSep 13, 2023
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address25 EMERALD BAY DR, OLDSMAR, FL 34677-5001

Mortgage

Document Number0219121204
DateJan 31, 2022
Book Page21912/1204
Instrument2022030971
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
AddressCOLUMBUS, OH 43240
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2052

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateJul 5, 2018
Property Address25 EMERALD BAY DR, OLDSMAR, FL 34677-5001
Document Number0201160619
Book / Page20116 / 0619
Map ReferenceMB 105 PG 9&10
Instrument DateJul 3, 2018
Instrument2018211917
Transaction TypeTransfer
Record UpdatedFeb 1, 2022
Title CompanyTOTAL TITLE SOLUTIONS

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,155.00
Amount AccuracyRounded by County
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 2703, OLDSMAR, FL 34677-0077

Transferred To (Grantee/Buyer)

NameVerified Name
Address25 EMERALD BAY DR, OLDSMAR, FL 34677-5001

Mortgage

Document Number2018211918
DateJul 5, 2018
Instrument2018211918
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueAug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 25 Emerald Bay Dr was $3,555 with a homeowner's exemption.

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$3,555.00 Homeowner's exemption$244,458 Building $244,458$244,458 Building $244,458
2023$1,682.00 (+3.7%) Homeowner's exemption$137,963 (+3%)$224,230 (+12.43%) Building $224,230
2022$1,622.00 Homeowner's exemption$133,945$199,448 Building $199,448

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 25 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 25 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

Nearby Properties on Emerald Bay Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures