2820 Rustic Oaks Dr, Palm Harbor, FL 34684 Property Records

Pinellas County property record for 2820 Rustic Oaks Dr, Palm Harbor, FL 34684

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,414 sqft · built 1980
Lot Size	0.232 acres (10,084 sqft)
Owner	2 Trust Names on File
Last Sale	$235,000 (Jul 2015)
Tax Bill	$3,095 (2025)
Deeds & Mortgages	Jul 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`C62-000-758-7228-3`

Property Details

APN / Parcel Number

Primary APN	`C62-000-758-7228-3`
Alternative APNs	`06-28-16-77640-000-0500` `281606776400000500` `162806776400000500` `R58315`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,414 sqft Living Area
Gross Area	2,220 sqft
1st Floor Area	1,414 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1996
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,084 sqft (0.232 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	302 sqft
Deck Area	150 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R58315
Street Address	2820 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 50
Legal Range	16E
Legal Township	28S
Legal Section	6
Legal Subdivision	RUSTIC OAKS
Legal Tract	77640
Legal Lot Number	50
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1009
Census Tract	27331

Owner

2820 Rustic Oaks Dr is owner-occupied and held in a trust since July 2015.

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

Owner of Record	2 Trust Names on File
Mailing Address	2820 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3247
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living Trust

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	2 Names on Deed
Last Sale	Jul 2, 2015 · Amount on File
Deed Sale	Jul 2, 2015 · Amount on File
Prior Sale	Dec 3, 2014 · Amount on File
Deed Document Number	2015187805
Deed Book / Page	18837 / 699
Prior Transfer Date	Jun 30, 2015
Prior Transfer Doc	0188370699
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINELLAS FL
Recording Date	Jul 17, 2026
Property Address	2820 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3247
Document Number	0000191405
Book / Page	23630 / 2436
Instrument Date	Jul 14, 2026
Instrument	2026191405
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Percentage Unclear

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	2820 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3247

Tax Assessment & Valuation

The 2025 property tax bill for 2820 Rustic Oaks Dr was $3,095, up 6% 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	$3,095.00 (+5.96%)	$203,152	$412,853 Land $144,780 Building $268,073
2024	$2,921.00 (+1.81%)
2023	$2,869.00 (+3.28%) Homeowner's exemption	$191,677 (+3%)	$395,166 (+24.22%) Land $178,125 Building $217,041
2022	$2,778.00 Homeowner's exemption	$186,094	$318,115 Land $168,055 Building $150,060

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

Flood

FEMA maps place 2820 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 2820 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