2816 Rustic Oaks Dr, Palm Harbor, FL 34684 Property Records

Pinellas County property record for 2816 Rustic Oaks Dr, Palm Harbor, FL 34684

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,644 sqft · built 1980
Lot Size	0.24 acres (10,446 sqft)
Owner	Individual Name on File
Last Sale	$499,000 (Oct 2021)
Tax Bill	$7,827 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-758-7227-5`

Property Details

APN / Parcel Number

Primary APN	`C62-000-758-7227-5`
Alternative APNs	`06-28-16-77640-000-0490` `281606776400000490` `162806776400000490` `R58314`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,644 sqft Living Area
Gross Area	2,446 sqft
1st Floor Area	1,644 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1993
Architectural Style	Custom Design
Exterior Material	Brick/Concrete Block Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,446 sqft (0.24 acres)
Lot Dimensions	137 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	298 sqft
Deck Area	200 sqft
Patio Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R58314
Street Address	2816 RUSTIC OAKS DR
City	PALM HARBOR
State	FL
Zip	34684-3247
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	RUSTIC OAKS LOT 49
Legal Range	16E
Legal Township	28S
Legal Section	6
Legal Subdivision	RUSTIC OAKS
Legal Tract	77640
Legal Lot Number	49
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1009
Census Tract	27331

Owner

2816 Rustic Oaks Dr is owned by an individual who bought it in October 2021.

Source: Pinellas County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	3221 OAKWOOD PL, TARPON SPRINGS, FL 34688-7239
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2021 · Amount on File
Deed Sale	Oct 11, 2021 · Amount on File
Prior Sale	Sep 23, 2013 · Amount on File
Deed Document Number	2021332544
Deed Book / Page	21756 / 919
Prior Transfer Date	Jul 1, 2013
Prior Transfer Doc	0181120102
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 11, 2021
Property Address	2816 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3247
Document Number	0217560919
Book / Page	21756 / 919
Map Reference	MB 80 PG 1
Instrument Date	Oct 1, 2021
Instrument	2021332544
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	WOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA WIKLE TTL INS AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,493.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5133 DENTON CIR, 5133, BRUNSWICK, OH 44212-6455

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 HELFRICH LANE, HAZLET, NJ 07730

Mortgage

Document Number	0021756921
Date	Oct 11, 2021
Instrument	21756/921

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2816 Rustic Oaks Dr was $7,827, up 10.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,827.00 (+10.39%)	$438,512 Land $141,254 Building $297,258	$438,512 Land $141,254 Building $297,258
2024	$7,090.00 (+4.91%)
2023	$6,758.00 (+16.22%)	$412,697 (+32.2%)	$412,697 (+32.2%) Land $172,571 Building $240,126
2022	$5,815.00	$312,170	$312,170 Land $160,064 Building $152,106

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

Flood

FEMA maps place 2816 Rustic Oaks Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2024.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 28 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	2 (2024)
Claims Outside the SFHA	2 of 2
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 2816 Rustic Oaks 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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	PINELLAS COUNTY UTILITIES serves 506,353 people · EPA ID FL6521405
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2023
Lead	Under 1 ppb (2020) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	17 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 404 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20