Pinellas County property record for 3478 Oak St, Dunedin, FL 34698
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,180 sqft · built 1973 |
| Lot Size | 0.266 acres (11,591 sqft) |
| Owner | Individual Name on File |
| Last Sale | $163,100 (Jan 2009) |
| Tax Bill | $1,633 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Jan 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-760-1166-7 |
| Primary APN | C62-000-760-1166-7 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,180 sqft Heated Area |
| 1st Floor Area | 1,180 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,591 sqft (0.266 acres) |
| Lot Dimensions | 144 ft deep x 82 ft wide |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 336 sqft |
| Deck Area | 327 sqft |
| Patio Area | 327 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R188856 |
|---|---|
| Old Parcel Number | 162818628560020220 |
| Street Address | 3478 OAK ST |
| City | DUNEDIN |
| State | FL |
| Zip | 34698-9345 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OAK LAKE HEIGHTS BLK B, LOT 22 & N 32FT MOL OF LOT 21 |
| Legal Range | 16 |
| Legal Township | 28 |
| Legal Section | 18 |
| Legal Subdivision | OAK LAKE HEIGHTS |
| Legal Block | B |
| Legal Lot Number | 22 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 26904 |
3478 Oak St is owned and occupied by an individual who bought it in January 2009.
Source: Pinellas County records, as of December 26, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3478 OAK ST, DUNEDIN, FL 34698-9345 |
| 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 |
|---|---|
| Aug 2, 2022 | Deed of Trust, Mortgage · Line of Credit ACHIEVA CU |
| Jan 28, 2019 | Loan Modification, Mortgage · Conventional Mortgage CARRINGTON MTG SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 6, 2009 · Amount on File |
| Deed Sale | Jan 6, 2009 · Amount on File |
| Deed Document Number | 2009001618 |
| Deed Book / Page | 16463 / 1346 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 3478 OAK ST, DUNEDIN, FL 34698-9345 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3478 OAK ST, DUNEDIN, FL 34698-9345 |
| Document Number | 0221541108 |
|---|---|
| Date | Aug 2, 2022 |
| Book Page | 22154/1108 |
| Instrument | 2022235940 |
| Name | ACHIEVA CU |
|---|---|
| Type | Credit Union |
| Address | DUNEDIN, FL 34697 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Aug 27, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 3478 OAK ST, DUNEDIN, FL 34698-9345 |
| Document Number | 0204250588 |
| Instrument Date | Jan 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3478 OAK ST DUNEDIN FL 346989345, DUNEDIN, FL 34698-9345 |
| Document Number | 0204250588 |
|---|---|
| Date | Feb 11, 2019 |
| Book Page | 020425/000588 |
| Instrument | 43977 |
| Name | CARRINGTON MTG SVCS |
|---|---|
| Address | ANAHEIM, CA 92806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 10, 2049 |
| Rate | 5% |
|---|
The 2025 property tax bill for 3478 Oak St was $1,633 with a homeowner's exemption.
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 | $1,633.00 Homeowner's exemption | $125,821 | $353,087 Land $173,650 Building $179,437 |
| 2023 | $1,488.00 (+3.77%) Homeowner's exemption | $118,714 (+3%) | $318,170 (+33.22%) Land $179,211 Building $138,959 |
| 2022 | $1,434.00 Homeowner's exemption | $115,256 | $238,837 Land $135,579 Building $103,258 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3478 Oak St in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1979.
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 59 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 59 in force |
| Nearby Flood Claims | 17 (1979–2024) |
| Claims Outside the SFHA | 12 of 17 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 3478 Oak St 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 99.1% of the US · lower than 98.7% 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 414 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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