404 Cedar Ridge Ct, Oldsmar, FL 34677 Property Records

Pinellas County property record for 404 Cedar Ridge Ct, Oldsmar, FL 34677

Property Summary

Property Type	Planned Unit Development
Details	2 bd · 2 ba · 900 sqft · built 1984
Lot Size	0.04 acres (1,723 sqft)
Owner	Individual Name on File
Last Sale	$159,900 (Feb 2020)
Tax Bill	$1,779 (2025)
Deeds & Mortgages	Feb 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`C62-000-759-4415-7`

Property Details

APN / Parcel Number

Primary APN	`C62-000-759-4415-7`
Alternative APNs	`14-28-16-94149-000-1302` `281614941490001302` `162814941490001302` `R149836`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	900 sqft Living Area
1st Floor Area	900 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1991
Exterior Material	Wood Frame
Construction Type	Masonry / Concrete Block
Lot Area	1,723 sqft (0.04 acres)
Lot Dimensions	131 ft deep x 42 ft wide
View / Lot	Interior
Porch	Patio
Deck Area	340 sqft
Patio Area	340 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	R149836
Street Address	404 CEDAR RIDGE CT
City	OLDSMAR
State	FL
Zip	34677-4538
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Legal Description	VILLAS OF FOREST LAKES, THE NW 24.63FT OF SE 49.25FT OF LOT 13
Legal Range	16E
Legal Township	28S
Legal Section	14
Legal Subdivision	VILLAS OF FOREST LAKES,
Legal Tract	94149
Legal Lot Number	13
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1025
Census Tract	27327

Owner

404 Cedar Ridge Ct, a planned unit development, is owned and occupied by an individual who bought it in February 2020.

Source: Pinellas County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	404 CEDAR RIDGE CT, OLDSMAR, FL 34677-4538
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2020 · Amount on File
Deed Sale	Feb 21, 2020 · Amount on File
Prior Sale	Nov 8, 2007 · Amount on File
Deed Document Number	202060796
Deed Book / Page	20893 / 611
Record Updated	Oct 29, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Feb 21, 2020
Property Address	404 CEDAR RIDGE CT, OLDSMAR, FL 34677-4538
Document Number	0208930611
Book / Page	20893 / 0611
Map Reference	MB 84 PG 36-39
Instrument Date	Feb 18, 2020
Instrument	2020060796
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	TOTAL TITLE SOLUTIONS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,119.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6645 1ST AVE N # N217, 6645, SAINT PETERSBURG, FL 33710-8311

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 CEDAR RIDGE CT, OLDSMAR, FL 34677-4538

Mortgage

Document Number	0208930613
Date	Feb 21, 2020
Instrument	20893/0613

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 404 Cedar Ridge Ct was $1,779 with a homeowner's exemption.

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	$1,779.00 Homeowner's exemption	$143,067	$213,100 Building $213,100
2023	$1,630.00 (+3.69%) Homeowner's exemption	$134,985 (+3%)	$180,155 (+17.61%) Building $180,155
2022	$1,572.00 Homeowner's exemption	$131,053	$153,186 Building $153,186

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 404 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 404 Cedar Ridge Ct is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% 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

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