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409 Cedar Ridge Ct, Oldsmar, FL 34677 Property Records

Pinellas County property record for 409 Cedar Ridge Ct, Oldsmar, FL 34677

Property Summary

Property TypePlanned Unit Development
Details900 sqft · built 1984
Lot Size0.04 acres (1,723 sqft)
OwnerIndividual Name on Record
Last Sale$72,500 (Mar 2010)
Tax Bill$464 (2025)
Deeds & MortgagesJul 2022 Mortgage
Jul 2019 Line of Credit
+ 1 more
Flood ZoneZone X (moderate risk)
APNC62-000-759-4419-9

Property Details

APN / Parcel Number

Primary APNC62-000-759-4419-9
Alternative APNs
  • 14-28-16-94149-000-1401
  • 281614941490001401
  • 162814941490001401
  • R149840

Interior

Stories1 Story
Building Area900 sqft Living Area
1st Floor Area900 sqft

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1991
Exterior MaterialWood Frame
Construction TypeMasonry / Concrete Block
Lot Area1,723 sqft (0.04 acres)
Lot Dimensions131 ft deep x 42 ft wide
View / LotCorner
PorchSlab
Deck AreaDeck Area
Patio Area340 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account NumberR149840
Street Address409 CEDAR RIDGE CT
CityOLDSMAR
StateFL
Zip34677-4533
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Planned Unit Development
Legal DescriptionVILLAS OF FOREST LAKES, THE E 24.63FT OF LOT 14
Legal Range16E
Legal Township28S
Legal Section14
Legal SubdivisionVILLAS OF FOREST LAKES,
Legal Tract94149
Legal Lot Number14
JurisdictionPINELLAS FL
Township / Civil DivisionTARPON SPRINGS
Census Block Group1
Census Block1025
Census Tract27327

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address409 CEDAR RIDGE CT, OLDSMAR, FL 34677-4533
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 1, 2022Deed of Trust, Mortgage · Conventional Mortgage
CARRINGTON MORTGAGE SERVICES LLC
Jul 23, 2019Deed of Trust, Mortgage · Line of Credit
NAVY FCU
Jun 15, 2017Intrafamily Transfer, Transfer
ATTORNEY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 31, 2010 · Amount on Record
Deed SaleMar 31, 2010 · Amount on Record
Prior SaleJan 19, 2010
Deed Document Number201086309
Deed Book / Page16871 / 1917
Prior Transfer DateJan 4, 2010
Prior Transfer Doc0168080355
Record UpdatedOct 29, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address409 CEDAR RIDGE CT, OLDSMAR, FL 34677-4533
Transaction TypeMortgage
Record UpdatedJul 25, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 CEDAR RIDGE CT, OLDSMAR, FL 34677-4533

Mortgage

Document Number0221221239
DateJul 1, 2022
Book Page22122/1239
Instrument2022205979
Lender
NameCARRINGTON MORTGAGE SERVICES LLC
TypeMortgage Company
AddressANAHEIM, CA 92806
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term300 Months
DueJul 1, 2047

July 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address409 CEDAR RIDGE CT, OLDSMAR, FL 34677-4533
Document Number0206441690
Instrument DateJul 23, 2019
Transaction TypeMortgage
Record UpdatedAug 19, 2019
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address409 CEDAR RIDGE CT OLDSMAR FL 346774533, OLDSMAR, FL 34677-4533

Mortgage

Document Number0206441690
DateAug 7, 2019
Book Page020644/001690
Instrument250074
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeLine of Credit
AmountAmount Recorded
Term480 Months
DueAug 6, 2059
Interest
Rate TypeAdjustable Rate

June 2017: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPINELLAS FL
Recording DateJun 15, 2017
Property Address409 CEDAR RIDGE CT, OLDSMAR, FL 34677-4533
Document Number0196681012
Book / Page19668 / 1012
Map ReferenceMB84 PG36-39
Instrument DateApr 21, 2017
Instrument2017186769
Transaction TypeTransfer
Record UpdatedFeb 1, 2022
Title CompanyATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 CEDAR RIDGE CT, OLDSMAR, FL 34677-4533
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyPinellas County
MunicipalityOldsmar City
Unified School DistrictPinellas County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$464.00 (+4.74%) Homeowner's exemption$54,255 (+5.99%)$203,108 (+19.4%) Building $203,108
2024$443.00
2023$443.00 (+2.31%) Homeowner's exemption$51,190 (+3%)$170,106 (+16.9%) Building $170,106
2022$433.00 Homeowner's exemption$49,699$145,510 Building $145,510

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
CoastalYes
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 202 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies202 in force
Nearby Flood Claims6 (2008–2025)
Claims Outside the SFHA6 of 6
Most Recent ClaimDec 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

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

Wildfire RiskModerate
above 51% of the US · lower than 79% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemOLDSMAR WATER SYSTEM
serves 14,898 people · EPA ID FL6521417
Water SourceGroundwater
Last State InspectionApr 2024
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting5
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

ProviderMax 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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