401 CEDAR RIDGE CT OLDSMAR FL 346774533, OLDSMAR, FL 34677-4533
Mortgage
Document Number
204320859
Date
Feb 15, 2019
Book Page
020432/000859
Instrument
51608
Lender
Name
GUARANTEED RATE
Address
CHICAGO, IL 60613
Agreement
Type
FHA Mortgage
Amount
Amount on Record
Term
360 Months
Due
Feb 14, 2049
August 2017: Trustee's Deed, Construction Loan
Document Type
Trustee's Deed
Jurisdiction
PINELLAS FL
Recording Date
Aug 1, 2017
Property Address
401 CEDAR RIDGE CT, OLDSMAR, FL 34677-4533
Document Number
0197260409
Book / Page
019726 / 000409
Instrument Date
Jul 26, 2017
Instrument
239874
Transaction Type
Construction Loan
Record Updated
Feb 20, 2018
Title Company
ATTORNEY ONLY
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Husband and Wife
Address
1640 POWERS FERRY RD SE #19 MARIETTA GA 300675491, 19, MARIETTA, GA 30067-5491
Mortgage
Document Number
197260409
Date
Aug 1, 2017
Book Page
019726/000409
Instrument
239874
Lender
Name
STERLING THOMAS HOLDINGS LLC
Address
2703 LAUREL OAK DR, PLANT CITY, FL 33566-6781
Agreement
Type
Construction Mortgage
Amount
Amount on Record
Term
12 Months
Due
Jul 31, 2018
Interest
Rate
10%
Tax Assessment & Valuation
The 2025 property tax bill for 401 Cedar Ridge Ct was $837 with a homeowner's exemption, up 8% from the year before.
Source: Pinellas County assessment roll, as of December 2, 2025
Property Jurisdictions
Type
Name
State
Florida
County
Pinellas County
Municipality
Oldsmar City
Unified School District
Pinellas County School District (PK - 12)
Tax Bill & Assessment History
Year
Tax Bill
Assessed Value
Assessed Market Value
2025
$837.00 (+8%)Homeowner's exemption
$89,300
$210,115Building $210,115
2024
$775.00 (-71.51%)
2023
$2,720.00 (+11.8%)
$171,880 (+16.97%)
$171,880 (+16.97%)Building $171,880
2022
$2,433.00
$146,940
$146,940Building $146,940
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 401 Cedar Ridge Ct in Zone X, an area of moderate flood risk, though there have been 6 flood claims nearby since 2008.
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 moderate risk
500-Year Floodplain
Yes 0.2% annual chance
Coastal
Yes
Flood Insurance Requirement
Not required lenders may require it
Flood Insurance Cost
Premium on File median of 202 policies
Community Rating System
Class 5 (25% premium discount)
Nearby Flood Policies
202 in force
Nearby Flood Claims
6 (2008–2025)
Claims Outside the SFHA
6 of 6
Most Recent Claim
Dec 2025 · rainfall accumulation
Claims by Event
Hurricane Milton, Oct 2024 · 3 claims
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 401 Cedar Ridge Ct is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood
0.1% annual chance
Exposure
Indirect within ember reach
Adjoins Burnable Land
Yes
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
OLDSMAR WATER SYSTEM serves 14,898 people · EPA ID FL6521417
Water Source
Groundwater
Last State Inspection
Apr 2024
Lead
3 ppb (2023) action level 15 ppb
Violations Reported to EPA
Water Quality
None last 10 years
Treatment and Procedure
None last 10 years
Monitoring and Reporting
5 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. The service area is an EPA estimate; the actual supplier may differ.
Internet Providers
Source: FCC Broadband Data Collection, based on 315 locations within half a mile, as of December 31, 2025