427 Shore Dr E, Oldsmar, FL 34677 Property Records

Pinellas County property record for 427 Shore Dr E, Oldsmar, FL 34677

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,526 sqft · built 2018
Lot Size	0.447 acres (19,476 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Oct 2016)
Tax Bill	$9,927 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Mar 2017 Construction Loan + 1 more
Flood Zone	Zone AE (high risk)
APN	`C62-000-760-8427-6`

Property Details

APN / Parcel Number

Primary APN	`C62-000-760-8427-6`
Alternative APNs	`25-28-16-18432-004-0050` `162825184320040050` `R268333`

Interior

Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,526 sqft Heated Area
1st Floor Area	2,526 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,476 sqft (0.447 acres)
Lot Dimensions	200 ft deep x 104 ft wide
Garage Area	542 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	328 sqft
Deck Area	900 sqft
Patio Area	900 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R268333
Old Parcel Number	162825184320040050
Street Address	427 SHORE DR E
City	OLDSMAR
State	FL
Zip	34677-3918
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY CLUB ADD TO OLDSMAR REVISED BLK 4, LOT 5 (SEE N26-28-16)
Legal Range	16
Legal Township	28
Legal Section	25
Legal Subdivision	COUNTRY CLUB ADD TO OLDSMAR REVISED
Legal Block	4
Legal Lot Number	5
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	2
Census Block	2016
Census Tract	27320

Owner

427 Shore Dr E is owned and occupied by an individual who bought it in October 2016.

Source: Pinellas County records, as of December 26, 2025

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 Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	427 SHORE DR E, OLDSMAR, FL 34677-3918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2021	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Mar 9, 2017	Deed of Trust, Mortgage · Construction Mortgage REGIONS BANK
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2016 · Amount on File
Deed Sale	Oct 18, 2016 · Amount on File
Prior Sale	Sep 19, 2014 · Amount on File
Deed Document Number	2016318050
Deed Book / Page	19380 / 0430
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	427 SHORE DR E, OLDSMAR, FL 34677-3918
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 SHORE DR E, OLDSMAR, FL 34677-3918

Mortgage

Document Number	0213961434
Date	Feb 19, 2021
Book Page	21396/1434
Instrument	2021054552

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Dec 25, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	427 SHORE DR E, OLDSMAR, FL 34677-3918
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0195470550
Date	Mar 9, 2017
Book Page	19547/0550
Instrument	2017074555

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	427 SHORE DR E, OLDSMAR, FL 34677-3918
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATL TTL OF FL INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210951879
Date	Jul 27, 2020
Book Page	21095/1879
Instrument	2020222258

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	316 Months
Due	Nov 6, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 427 Shore Dr E was $9,927 with a homeowner's exemption.

Source: Pinellas County assessment roll, as of July 1, 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	$9,927.00 Homeowner's exemption	$608,223	$938,699 Land $214,661 Building $724,038
2023	$9,285.00 (+2.56%) Homeowner's exemption	$573,866 (+3%)	$904,034 (+22.25%) Land $301,384 Building $602,650
2022	$9,053.00 Homeowner's exemption	$557,151	$739,510 Land $262,166 Building $477,344

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

Flood

FEMA maps place 427 Shore Dr E in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 615 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	615 in force
Nearby Flood Claims	473 (1979–2024)
Claims Outside the SFHA	9 of 473
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Helene, Oct 2024 · 239 claims Hurricane Frances, Oct 2004 · 26 claims Hurricane Elena, Sep 1985 · 107 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 427 Shore Dr E is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.08% 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 224 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

May also be available: Verizon.

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