2845 Rustic Oaks Dr, Palm Harbor, FL 34684 Property Records

Pinellas County property record for 2845 Rustic Oaks Dr, Palm Harbor, FL 34684

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,600 sqft · built 1980
Lot Size	0.259 acres (11,273 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (May 2025)
Tax Bill	$7,612 (2025)
Deeds & Mortgages	Dec 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`C62-000-758-7211-9`

Property Details

APN / Parcel Number

Primary APN	`C62-000-758-7211-9`
Alternative APNs	`06-28-16-77640-000-0330` `281606776400000330` `162806776400000330` `R58298`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,600 sqft Living Area
Gross Area	2,402 sqft
1st Floor Area	1,600 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1993
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	11,273 sqft (0.259 acres)
Lot Dimensions	160 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	296 sqft
Deck Area	150 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R58298
Street Address	2845 RUSTIC OAKS DR
City	PALM HARBOR
State	FL
Zip	34684-3248
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	RUSTIC OAKS LOT 33
Legal Range	16E
Legal Township	28S
Legal Section	6
Legal Subdivision	RUSTIC OAKS
Legal Tract	77640
Legal Lot Number	33
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1008
Census Tract	27331

Owner

2845 Rustic Oaks Dr is owned and occupied by two individuals who bought it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	2845 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3248
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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	May 6, 2025 · Amount on File
Deed Sale	May 6, 2025 · Amount on File
Prior Sale	Dec 11, 2024 · Amount on File
Deed Document Number	2025130911
Deed Book / Page	23152 / 1771
Prior Transfer Date	Jun 25, 2024
Prior Transfer Doc	0228440949
Record Updated	Oct 29, 2026

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Dec 11, 2024
Property Address	2845 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3248
Document Number	0229982268
Book / Page	22998 / 2268
Map Reference	MB 80 PG 1
Instrument Date	Dec 6, 2024
Instrument	2024309124
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Tax	$2,768.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5604 WILLOW CROSSING CT, CLIFTON, VA 20124-0964

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 2845 Rustic Oaks Dr was $7,612, up 321.3% 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	$7,612.00 (+321.25%)	$411,589 Land $137,442 Building $274,147	$411,589 Land $137,442 Building $274,147
2024	$1,807.00 (+2.38%)
2023	$1,765.00 (-1.18%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$138,131 (+3%)	$406,732 (+32.37%) Land $171,337 Building $235,395
2022	$1,786.00 Homeowner's exemption Senior Citizen's exemption	$134,108	$307,278 Land $159,034 Building $148,244

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 2845 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 2845 Rustic Oaks Dr is low, with less than 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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 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.

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