4822 Cross Pointe Dr, Oldsmar, FL 34677 Property Records

Pinellas County property record for 4822 Cross Pointe Dr, Oldsmar, FL 34677

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,972 sqft · built 1991
Lot Size	0.272 acres (11,835 sqft)
Owner	2 Company Names on Record
Last Sale	$530,000 (Apr 2017)
Tax Bill	$8,601 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`C62-000-758-1517-5`

Property Details

APN / Parcel Number

Primary APN	`C62-000-758-1517-5`
Alternative APNs	`03-28-16-19688-004-0010` `281603196880040010` `162803196880040010` `R21113`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,972 sqft Living Area
Gross Area	3,918 sqft
1st Floor Area	2,972 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2003
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	11,835 sqft (0.272 acres)
Lot Dimensions	121 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	670 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	276 sqft
Deck Area	400 sqft
Patio Area	400 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R21113
Street Address	4822 CROSS POINTE DR
City	OLDSMAR
State	FL
Zip	34677-5201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD251
Legal Description	CROSS POINTE BLK 4, LOT 1
Legal Range	16E
Legal Township	28S
Legal Section	3
Legal Subdivision	CROSS POINTE
Legal Block	4
Legal Lot Number	1
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1009
Census Tract	27325

Owner

Source: Pinellas County records, as of September 17, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	4822 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jun 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage HAMILTON GROUP FUNDING INC
Aug 7, 2017	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Jan 30, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 10, 2017	Warranty Deed, Transfer · Conventional Mortgage SUCCESS MORTGAGE PARTNERS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2017 · Amount on Record
Deed Sale	Apr 10, 2017 · Amount on Record
Prior Sale	Jul 16, 2015 · Amount on Record
Deed Document Number	2017109605
Deed Book / Page	19584 / 862
Last Transfer Date	Jan 21, 2020
Transfer Doc	0208632615
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4822 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Transaction Type	Mortgage
Record Updated	Nov 4, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4822 CROSS POINTE DR, OLDSMAR, FL 34677-5201

Mortgage

Document Number	0222230854
Date	Oct 6, 2022
Book Page	22223/854
Instrument	2022294724

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 24, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4822 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210342038
Date	Jun 11, 2020
Book Page	21034/2038
Instrument	2020175961

Lender

Name	HAMILTON GROUP FUNDING INC
Type	Mortgage Company
Address	FORT LAUDERDALE, FL 33323

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4822 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0197321526
Date	Aug 7, 2017
Book Page	19732/1526
Instrument	2017245704

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINELLAS FL
Recording Date	Jan 30, 2020
Property Address	4822 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Document Number	0208632615
Book / Page	020863 / 002615
Instrument Date	Jan 21, 2020
Instrument	32258
Transaction Type	Transfer
Record Updated	Feb 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4822 CROSS POINTE DR OLDSMAR FL 346775201, OLDSMAR, FL 34677-5201

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Apr 10, 2017
Property Address	4822 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Document Number	0195840862
Book / Page	19584 / 0862
Map Reference	MB106 PG49-54
Instrument Date	Apr 3, 2017
Instrument	2017109605
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,710.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1180 GULF BLVD, 1180, CLEARWATER BEACH, FL 33767-2752

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4822 CROSS POINTE DR, OLDSMAR, FL 34677-5201

Mortgage

Document Number	2017109606
Date	Apr 10, 2017
Instrument	2017109606

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,601.00 (+5.56%) Homeowner's exemption	$510,817 (+5.99%)	$798,880 (+9.31%) Land $158,955 Building $639,925
2024	$8,148.00 (+1.61%)
2023	$8,019.00 (+2.64%) Homeowner's exemption	$481,962 (+3%)	$730,814 (+24.79%) Land $222,280 Building $508,534
2022	$7,813.00 Homeowner's exemption	$467,924	$585,629 Land $197,831 Building $387,798

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 209 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	209 in force
Nearby Flood Claims	10 (2011–2024)
Claims Outside the SFHA	10 of 10
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Sep 2017 · 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

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

Wildfire Risk	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within 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	PINELLAS COUNTY UTILITIES serves 506,353 people · EPA ID FL6521405
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2023
Lead	Under 1 ppb (2020) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	17 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 295 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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