Pinellas County property record for 2844 Rustic Oaks Dr, Palm Harbor, FL 34684
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,632 sqft · built 1980 |
| Lot Size | 0.23 acres (10,023 sqft) |
| Owner | 2 Owner Names on Record |
| Tax Bill | $2,219 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage May 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-758-7234-1 |
| Primary APN | C62-000-758-7234-1 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,632 sqft Heated Area |
| 1st Floor Area | 1,632 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,023 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 286 sqft |
| Deck Area | 475 sqft |
| Patio Area | 475 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R58321 |
|---|---|
| Old Parcel Number | 162806776400000560 |
| Street Address | 2844 RUSTIC OAKS DR |
| City | PALM HARBOR |
| State | FL |
| Zip | 34684-3247 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RUSTIC OAKS LOT 56 |
| Legal Range | 16 |
| Legal Township | 28 |
| Legal Section | 06 |
| Legal Subdivision | RUSTIC OAKS |
| Legal Lot Number | 56 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 27331 |
Source: Pinellas County records, as of December 26, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Owner Names on Record |
|---|---|
| Mailing Address | 2844 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3247 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Jul 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage INNOVATIVE MORTGAGE SERVICES |
| May 20, 2019 | Deed of Trust, Mortgage · Line of Credit WHITNEY BANK |
| Nov 15, 2017 | Deed of Trust, Mortgage · Conventional with PMI PARKSIDE LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 31, 2003 |
| Transfer Doc | 0129452377 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 2844 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3247 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2844 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3247 |
| Document Number | 0216451880 |
|---|---|
| Date | Jul 28, 2021 |
| Book Page | 21645/1880 |
| Instrument | 2021246449 |
| Name | INNOVATIVE MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Address | LUTZ, FL 33558 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 2844 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3247 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0205440324 |
|---|---|
| Date | May 20, 2019 |
| Book Page | 20544/0324 |
| Instrument | 2019157609 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | CLEARWATER, FL 33761 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 30, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 2844 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3247 |
| Document Number | 0198472521 |
| Book / Page | 019847 / 002521 |
| Instrument Date | Nov 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2844 RUSTIC OAKS DR PALM HARBOR FL 346843247, PALM HARBOR, FL 34684-3247 |
| Document Number | 0198472521 |
|---|---|
| Date | Nov 20, 2017 |
| Book Page | 019847/002521 |
| Instrument | 354829 |
| Name | PARKSIDE LNDG |
|---|---|
| Address | SAN FRANCISCO, CA 94103 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 19, 2032 |
Source: Pinellas County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,219.00 (+8.46%) Homeowner's exemption | $154,593 (+5.99%) | $455,516 (+7.32%) Land $145,699 Building $309,817 |
| 2023 | $2,046.00 (+3.65%) Homeowner's exemption | $145,860 (+3%) | $424,435 (+26.37%) Land $179,381 Building $245,054 |
| 2022 | $1,974.00 Homeowner's exemption | $141,612 | $335,855 Land $169,769 Building $166,086 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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.
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 |
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.
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 |
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