Pinellas County property record for 2860 Rustic Oaks Dr, Palm Harbor, FL 34684
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,555 sqft · built 1980 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $303,000 (Feb 2018) |
| Tax Bill | $5,956 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Jan 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-758-7238-2 |
| Primary APN | C62-000-758-7238-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,555 sqft Living Area |
| Gross Area | 2,433 sqft |
| 1st Floor Area | 1,555 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 10,001 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 438 sqft |
| Deck Area | 325 sqft |
| Patio Area | 325 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R58325 |
|---|---|
| Street Address | 2860 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 60 |
| Legal Range | 16E |
| Legal Township | 28S |
| Legal Section | 6 |
| Legal Subdivision | RUSTIC OAKS |
| Legal Tract | 77640 |
| Legal Lot Number | 60 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 27331 |
2860 Rustic Oaks Dr is owned and occupied by two individuals who acquired it in October 2021.
Source: Pinellas County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2860 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3247 |
| 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 |
|---|---|
| Nov 18, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Jan 3, 2020 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC |
| Feb 16, 2018 | Warranty Deed, Transfer · FHA Mortgage SUPREME LNDG |
| Sep 22, 2017 | Deed of Trust, Mortgage · Line of Credit ACHIEVA CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 16, 2018 · Amount on File |
| Deed Sale | Feb 16, 2018 · Amount on File |
| Prior Sale | Dec 11, 2000 · Amount on File |
| Deed Document Number | 201850166 |
| Deed Book / Page | 19944 / 2174 |
| Last Transfer Date | Oct 25, 2021 |
| Transfer Doc | 0218130317 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Nov 18, 2021 |
| Property Address | 2860 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3247 |
| Document Number | 0218130317 |
| Book / Page | 21813 / 317 |
| Map Reference | MB 80 PG 1 |
| Instrument Date | Oct 25, 2021 |
| Instrument | 2021376671 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2860 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3247 |
| Document Number | 21813319 |
|---|---|
| Date | Nov 18, 2021 |
| Instrument | 21813/319 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 2860 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3247 |
| Document Number | 0208401998 |
| Instrument Date | Jan 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2860 RUSTIC OAKS DR PALM HARBOR FL 346843247, PALM HARBOR, FL 34684-3247 |
| Document Number | 0208401998 |
|---|---|
| Date | Jan 9, 2020 |
| Book Page | 020840/001998 |
| Instrument | 11109 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 8, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Feb 16, 2018 |
| Property Address | 2860 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3247 |
| Document Number | 0199442174 |
| Book / Page | 019944 / 002174 |
| Instrument Date | Feb 9, 2018 |
| Instrument | 50166 |
| Transaction Type | Transfer |
| Record Updated | Mar 5, 2018 |
| Title Company | TALON TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,121.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2860 RUSTIC OAKS DR PALM HARBOR FL 346843247, PALM HARBOR, FL 34684-3247 |
| Document Number | 199442176 |
|---|---|
| Date | Feb 16, 2018 |
| Book Page | 019944/002176 |
| Instrument | 50167 |
| Name | SUPREME LNDG |
|---|---|
| Address | DALLAS, TX 75254 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 15, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 2860 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3247 |
| Document Number | 0197902043 |
| Book / Page | 019790 / 002043 |
| Instrument Date | Sep 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2860 RUSTIC OAKS DR PALM HARBOR FL 346843247, PALM HARBOR, FL 34684-3247 |
| Document Number | 0197902043 |
|---|---|
| Date | Oct 2, 2017 |
| Book Page | 019790/002043 |
| Instrument | 300017 |
| Name | ACHIEVA CU |
|---|---|
| Type | Credit Union |
| Address | DUNEDIN, FL 34697 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 1, 2042 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 2860 Rustic Oaks Dr was $5,956 with a homeowner's exemption, up 7.6% from the year before.
Source: Pinellas County assessment roll, as of December 2, 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 | $5,956.00 (+7.65%) Homeowner's exemption | $361,639 | $436,987 Land $144,720 Building $292,267 |
| 2024 | $5,533.00 (+4.06%) | ||
| 2023 | $5,317.00 (+9.86%) Homeowner's exemption | $342,051 (+14%) | $413,983 (+22.54%) Land $178,021 Building $235,962 |
| 2022 | $4,840.00 Homeowner's exemption | $300,038 | $337,824 Land $169,381 Building $168,443 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2860 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 risk around 2860 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.
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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