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45 Emerald Bay Dr, Oldsmar, FL 34677 Property Records

Pinellas County property record for 45 Emerald Bay Dr, Oldsmar, FL 34677

Property Summary

Property TypePlanned Unit Development
Details3 bd · 2 ba · 1,264 sqft · built 1991
Lot Size0.051 acres (2,228 sqft)
OwnerIndividual Name on File
Last Sale$174,000 (Jun 2020)
Tax Bill$2,302 (2025)
Deeds & MortgagesJan 2023 Second Mortgage
Jun 2020 Sale & Mortgage
Flood ZoneZone AE (high risk)
APNC62-000-759-5618-5

Property Details

APN / Parcel Number

Primary APNC62-000-759-5618-5
Alternative APNs
  • 15-28-16-25790-000-0450
  • 281615257900000450
  • 162815257900000450
  • R159847

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,264 sqft Living Area
1st Floor Area1,264 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1997
Exterior MaterialBrick/Stone
Construction TypeWood
Lot Area2,228 sqft (0.051 acres)
View / LotCorner
Garage TypeCarport
CarportCarport
PorchPatio
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account NumberR159847
Street Address45 EMERALD BAY DR
CityOLDSMAR
StateFL
Zip34677-5001
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Planned Unit Development
Legal DescriptionEMERALD BAY LOT 45
Legal Range16E
Legal Township28S
Legal Section15
Legal SubdivisionEMERALD BAY
Legal Tract25790
Legal Lot Number45
JurisdictionPINELLAS FL
Township / Civil DivisionTARPON SPRINGS
Census Block Group4
Census Block4004
Census Tract27319

Owner

45 Emerald Bay Dr, a planned unit development, is owned and occupied by an individual who bought it in June 2020.

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

Owner of RecordIndividual Name on File
Mailing Address45 EMERALD BAY DR, OLDSMAR, FL 34677-5001
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jan 17, 2023Deed of Trust, Mortgage · Stand-Alone Second Mortgage
CARRINGTON MORTGAGE SERVICES LLC
Jun 3, 2020Warranty Deed, Transfer · FHA Mortgage
AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 3, 2020 · Amount on File
Deed SaleJun 3, 2020 · Amount on File
Prior SaleApr 13, 2012 · Amount on File
Deed Document Number2020167461
Deed Book / Page21023 / 946
Transfer Doc9764002094
Record UpdatedOct 29, 2026

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address45 EMERALD BAY DR, OLDSMAR, FL 34677-5001
Transaction TypeMortgage
Record UpdatedFeb 3, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 EMERALD BAY DR, OLDSMAR, FL 34677-5001

Mortgage

Document Number0223170983
DateJan 17, 2023
Book Page22317/983
Instrument2023011004
Lender
NameCARRINGTON MORTGAGE SERVICES LLC
TypeMortgage Company
AddressANAHEIM, CA 92806
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2053

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateJun 3, 2020
Property Address45 EMERALD BAY DR, OLDSMAR, FL 34677-5001
Document Number0210230946
Book / Page21023 / 946
Map ReferenceMB 105 PG 9&10
Instrument DateJun 2, 2020
Instrument2020167461
Transaction TypeTransfer
Record UpdatedAug 1, 2022
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,218.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1408 W AZEELE STSR, 1408, TAMPA, FL 33606

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0021023948
DateJun 3, 2020
Instrument21023/948
Lender
NameAMERIFIRST FINANCIAL CORP
TypeFunding / Finance Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 45 Emerald Bay Dr was $2,302 with a homeowner's exemption, up 6.3% from the year before.

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$2,302.00 (+6.33%) Homeowner's exemption$172,924$238,630 Building $238,630
2024$2,165.00 (+2.03%)
2023$2,122.00 (+3.41%) Homeowner's exemption$163,156 (+3%)$216,713 (+12.33%) Building $216,713
2022$2,052.00 Homeowner's exemption$158,404$192,919 Building $192,919

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

Flood

FEMA maps place 45 Emerald Bay 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation11.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 195 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies195 in force
Nearby Flood Claims2 (2024)
Most Recent ClaimOct 2024 · Hurricane Milton

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 45 Emerald Bay 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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 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 288 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 · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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