Pinellas County property record for 27 Emerald Bay Dr, Oldsmar, FL 34677
| Property Type | Planned Unit Development |
|---|---|
| Details | 1,380 sqft · built 1997 |
| Owner | Individual Name on File |
| Last Sale | $155,000 (May 2017) |
| Tax Bill | $4,197 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage May 2017 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | C62-000-759-5600-3 |
| Primary APN | C62-000-759-5600-3 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,380 sqft Heated Area |
| 1st Floor Area | 1,380 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Brick/Stone |
| Construction Type | Wood Frame |
| View / Lot | Average |
| Garage Type | Carport |
| Carport | Carport |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | R159829 |
|---|---|
| Old Parcel Number | 162815257900000270 |
| Street Address | 27 EMERALD BAY DR |
| City | OLDSMAR |
| State | FL |
| Zip | 34677-5001 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Planned Unit Development |
| Legal Description | EMERALD BAY LOT 27 & W 3.4FT OF LOT 28 |
| Legal Range | 16 |
| Legal Township | 28 |
| Legal Section | 15 |
| Legal Subdivision | EMERALD BAY |
| Legal Lot Number | 27 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 27319 |
27 Emerald Bay Dr, a planned unit development, is owned and occupied by an individual who bought it in May 2017.
Source: Pinellas County records, as of December 26, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 27 EMERALD BAY DR # 27, 27, OLDSMAR, FL 34677-5001 |
| 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.
| Date | Document |
|---|---|
| Apr 14, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 16, 2017 | Warranty Deed, Transfer · FHA Mortgage BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 16, 2017 · Amount on File |
| Deed Sale | May 16, 2017 · Amount on File |
| Prior Sale | Feb 24, 2011 · Amount on File |
| Deed Document Number | 2017153165 |
| Deed Book / Page | 19631 / 2389 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 27 EMERALD BAY DR, OLDSMAR, FL 34677-5001 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2023 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 27 EMERALD BAY DR, OLDSMAR, FL 34677-5001 |
| Document Number | 0224080865 |
|---|---|
| Date | Apr 14, 2023 |
| Book Page | 22408/865 |
| Instrument | 2023097535 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 290 Months |
| Due | Jun 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | May 16, 2017 |
| Property Address | 27 EMERALD BAY DR, OLDSMAR, FL 34677-5001 |
| Document Number | 0196312389 |
| Book / Page | 019631 / 002389 |
| Instrument Date | May 2, 2017 |
| Instrument | 153165 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2017 |
| Title Company | TITLE PARTNERS/SO FL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,085.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 27 EMERALD BAY DR #27 OLDSMAR FL 346775001, 27, OLDSMAR, FL 34677-5001 |
| Document Number | 196312391 |
|---|---|
| Date | May 16, 2017 |
| Book Page | 019631/002391 |
| Instrument | 153166 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 15, 2047 |
The 2025 property tax bill for 27 Emerald Bay Dr was $4,197.
Source: Pinellas County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Municipality | Oldsmar City |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,197.00 | $249,671 | $249,671 Building $249,671 |
| 2023 | $3,595.00 (+10.21%) | $230,914 (+12.44%) | $230,914 (+12.44%) Building $230,914 |
| 2022 | $3,262.00 | $205,363 | $205,363 Building $205,363 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 27 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 risk around 27 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.
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 |
| 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.
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 |
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