428 Evergreen Dr, Oldsmar, FL 34677 Property Records

Pinellas County property record for 428 Evergreen Dr, Oldsmar, FL 34677

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,430 sqft · built 1979
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Jun 2015)
Tax Bill	$2,551 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Jun 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`C62-000-759-5938-7`

Property Details

APN / Parcel Number

Primary APN	`C62-000-759-5938-7`
Alternative APNs	`15-28-16-36292-000-4580` `281615362920004580` `162815362920004580` `R160166`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,430 sqft Living Area
Gross Area	2,019 sqft
1st Floor Area	1,430 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	100 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	148 sqft
Deck Area	594 sqft
Patio Area	120 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R160166
Street Address	428 EVERGREEN DR
City	OLDSMAR
State	FL
Zip	34677-2604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARBOR PALMS UNIT ELEVEN LOT 458
Legal Range	16E
Legal Township	28S
Legal Section	15
Legal Subdivision	HARBOR PALMS
Legal Tract	36292
Legal Lot Number	458
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1003
Census Tract	27319

Owner

428 Evergreen Dr is owned and occupied by an individual who bought it in June 2015.

Source: Pinellas County records, as of September 10, 2026

Owner of Record	Individual Name on File
Mailing Address	428 EVERGREEN DR, OLDSMAR, FL 34677-2604
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

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

Date	Document
Oct 25, 2022	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Jun 14, 2019	Deed of Trust, Mortgage · FHA Mortgage DITECH FINANCIAL LLC
Oct 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2015 · Amount on File
Deed Sale	Jun 16, 2015 · Amount on File
Prior Sale	Dec 10, 2014 · Amount on File
Deed Document Number	2015170376
Deed Book / Page	18817 / 1945
Prior Transfer Date	Dec 5, 2014
Prior Transfer Doc	0186142294
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	428 EVERGREEN DR, OLDSMAR, FL 34677-2604
Transaction Type	Mortgage
Record Updated	Nov 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0222421810
Date	Oct 25, 2022
Book Page	22242/1810
Instrument	2022312150

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 15, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	428 EVERGREEN DR, OLDSMAR, FL 34677-2604
Transaction Type	Mortgage
Record Updated	Aug 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0205771748
Date	Jun 14, 2019
Book Page	20577/1748
Instrument	2019188955

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	428 EVERGREEN DR, OLDSMAR, FL 34677-2604
Transaction Type	Mortgage
Record Updated	Aug 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 EVERGREEN DR, OLDSMAR, FL 34677-2604

Mortgage

Document Number	0212150834
Date	Oct 19, 2020
Book Page	21215/834
Instrument	2020312554

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution
Address	BRECKSVILLE, OH 44141

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 428 Evergreen Dr was $2,551 with a homeowner's exemption, up 6.2% 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	$2,551.00 (+6.25%) Homeowner's exemption	$187,128	$333,615 Land $97,841 Building $235,774
2024	$2,401.00 (+1.95%)
2023	$2,355.00 (+3.29%) Homeowner's exemption	$176,557 (+3%)	$316,962 (+15.91%) Land $140,273 Building $176,689
2022	$2,280.00 Homeowner's exemption	$171,415	$273,446 Land $134,665 Building $138,781

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

Flood

FEMA maps place 428 Evergreen Dr 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	11.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 434 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	434 in force
Nearby Flood Claims	135 (2004–2024)
Claims Outside the SFHA	7 of 135
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 15 claims Hurricane Helene, Sep 2024 · 102 claims Hurricane Debby, Aug 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 428 Evergreen Dr is low, with 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	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.

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 716 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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