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48 Emerald Bay Dr, Oldsmar, FL 34677 Property Records

Pinellas County property record for 48 Emerald Bay Dr, Oldsmar, FL 34677

Property Summary

Property TypePlanned Unit Development
Details2 bd · 2 ba · 1,100 sqft · built 1991
Lot Size0.056 acres (2,454 sqft)
Owner2 Individual Names on Record
Last Sale$169,900 (Oct 2020)
Deeds & MortgagesJan 2024 Transfer
Oct 2020 Sale & Mortgage
Flood ZoneZone AE (high risk)
APNC62-000-759-5621-9

Property Details

APN / Parcel Number

Primary APNC62-000-759-5621-9
Alternative APNs
  • 15-28-16-25790-000-0480
  • 281615257900000480
  • 162815257900000480
  • R159850

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,100 sqft Living Area
1st Floor Area1,100 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1997
Exterior MaterialBrick/Stone
Construction TypeWood
Lot Area2,454 sqft (0.056 acres)
View / LotCorner
Garage TypeCarport
CarportCarport
PorchPatio
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account NumberR159850
Street Address48 EMERALD BAY DR
CityOLDSMAR
StateFL
Zip34677-5001
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Planned Unit Development
Legal DescriptionEMERALD BAY LOT 48
Legal Range16E
Legal Township28S
Legal Section15
Legal SubdivisionEMERALD BAY
Legal Tract25790
Legal Lot Number48
JurisdictionPINELLAS FL
Township / Civil DivisionTARPON SPRINGS
Census Block Group4
Census Block4004
Census Tract27319

Owner

Source: Pinellas County records, as of September 14, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address48 EMERALD BAY DR, OLDSMAR, FL 34677-5001
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Jan 12, 2024Intrafamily Transfer, Transfer
Oct 15, 2020Warranty Deed, Transfer · VA Mortgage
REGIONS BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 15, 2020 · Amount on Record
Deed SaleOct 15, 2020 · Amount on Record
Prior SaleJun 30, 2016 · Amount on Record
Deed Document Number2020307863
Deed Book / Page21209 / 258
Last Transfer DateJan 12, 2024
Transfer Doc0226770448
Record UpdatedOct 29, 2026

January 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPINELLAS FL
Recording DateJan 12, 2024
Property Address48 EMERALD BAY DR, OLDSMAR, FL 34677-5001
Document Number0226770448
Book / Page22677 / 448
Map ReferenceMB 1015 PG 9&10
Instrument DateJan 12, 2024
Instrument2024010031
Transaction TypeTransfer
Record UpdatedFeb 1, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address48 EMERALD BAY DR, OLDSMAR, FL 34677-5001

Transferred To (Grantee/Buyer)

NameVerified Name
Address2702 PINEWOOD CT, CLEARWATER, FL 33761-3215

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateOct 15, 2020
Property Address48 EMERALD BAY DR, OLDSMAR, FL 34677-5001
Document Number0212090258
Book / Page21209 / 258
Map ReferenceMB 105 PG 9&10
Instrument DateOct 14, 2020
Instrument2020307863
Transaction TypeTransfer
Record UpdatedAug 1, 2022
Title CompanyACCOMMODATION

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,189.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4827 QUEEN PALM TER NE, 4827, SAINT PETERSBURG, FL 33703-6303

Transferred To (Grantee/Buyer)

NameVerified Name
Address48 EMERALD BAY DR, OLDSMAR, FL 34677-5001

Mortgage

Document Number0021209260
DateOct 15, 2020
Instrument21209/260
Lender
NameREGIONS BANK
TypeBank
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2050

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
2025Veteran's exemption$150,796 (+5.99%)$205,764 (+8.99%) Building $205,764
2023Homeowner's exemption$142,278 (+3%)$188,792 (+12.33%) Building $188,792
2022Homeowner's exemption Disabled Person's exemption Veteran's exemption$138,134$168,062 Building $168,062

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 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 Record
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

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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