431 Shore Dr E, Oldsmar, FL 34677 Property Records

Pinellas County property record for 431 Shore Dr E, Oldsmar, FL 34677

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,120 sqft · built 1985
Lot Size	0.608 acres (26,463 sqft)
Owner	Individual Name on Record
Last Sale	$395,000 (Jun 2017)
Tax Bill	$6,016 (2025)
Deeds & Mortgages	Oct 2018 Construction Loan Jun 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`C62-000-760-8428-4`

Property Details

APN / Parcel Number

Primary APN	`C62-000-760-8428-4`
Alternative APNs	`25-28-16-18432-004-0060` `281625184320040060` `162825184320040060` `R268334`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	3 Stories
Building Area	3,120 sqft Living Area
Gross Area	6,086 sqft
1st Floor Area	1,820 sqft
Upper Floors Area	1,300 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1996
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	26,463 sqft (0.608 acres)
Lot Dimensions	195 ft deep x 81 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	618 sqft
Deck Area	300 sqft
Patio Area	300 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R268334
Street Address	431 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 6 & PART OF VAC RD R/W ON W OF SD LOT 6 PER O.R. 15401/1104 LESS THAT PART OF LOT 6 & ADJ VAC R/W DESC BEG MOST SLY COR OF SD LOT 6 TH S53D1650W 27.06FT TH N68D0330W 48.53FT TH N13D4247E 103.84FT TH S75D
Legal Range	16E
Legal Township	28S
Legal Section	25
Legal Subdivision	COUNTRY CLUB ADD
Legal Tract	18432
Legal Block	4
Legal Lot Number	6
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	2
Census Block	2016
Census Tract	27320

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	431 SHORE DR E, OLDSMAR, FL 34677-3918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2018	Trustee's Deed, Construction Loan · Construction Mortgage REPUBLIC BK&TR
Jun 29, 2017	Warranty Deed, Transfer · Conventional Mortgage E MORTGAGE MANAGEMENT LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2017 · Amount on Record
Deed Sale	Jun 29, 2017 · Amount on Record
Deed Document Number	2017203405
Deed Book / Page	19686 / 1856
Record Updated	Oct 29, 2026

October 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 5, 2018
Property Address	431 SHORE DR E, OLDSMAR, FL 34677-3918
Document Number	0202712518
Book / Page	020271 / 002518
Instrument Date	Oct 5, 2018
Instrument	321491
Transaction Type	Construction Loan
Record Updated	Oct 22, 2018
Title Company	BANKERS TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1554 PASADENA DR DUNEDIN FL 346984205, DUNEDIN, FL 34698-4205

Mortgage

Document Number	202712518
Date	Oct 5, 2018
Book Page	020271/002518
Instrument	321491

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 4, 2019

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jun 29, 2017
Property Address	431 SHORE DR E, OLDSMAR, FL 34677-3918
Document Number	0196861856
Book / Page	19686 / 1856
Map Reference	MB7 PG42
Instrument Date	Jun 26, 2017
Instrument	2017203405
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	LUXE TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14810 RUE DE BAYONNE7D, 14810, CLEARWATER, FL 33762

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	431 SHORE DR E, OLDSMAR, FL 34677-3918
Investor	Possibly a Property Investor

Mortgage

Document Number	2017203406
Date	Jun 29, 2017
Instrument	2017203406

Lender

Name	E MORTGAGE MANAGEMENT LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

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	$6,016.00 (+7.22%) Homeowner's exemption	$384,949 (+5.99%)	$722,679 (+8.1%) Land $179,336 Building $543,343
2023	$5,611.00 (+2.73%) Homeowner's exemption	$363,204 (+3%)	$668,501 (+24.37%) Land $242,097 Building $426,404
2022	$5,462.00 Homeowner's exemption	$352,625	$537,503 Land $205,405 Building $332,098

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 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 Record 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

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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