4830 Cross Pointe Dr, Oldsmar, FL 34677 Property Records

Pinellas County property record for 4830 Cross Pointe Dr, Oldsmar, FL 34677

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,464 sqft · built 1995
Lot Size	0.22 acres (9,601 sqft)
Owner	Individual Name on Record
Last Sale	$482,500 (Feb 2018)
Tax Bill	$5,782 (2025)
Deeds & Mortgages	May 2017 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`C62-000-758-1518-3`

Property Details

APN / Parcel Number

Primary APN	`C62-000-758-1518-3`
Alternative APNs	`03-28-16-19688-004-0020` `281603196880040020` `162803196880040020` `R21114`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,464 sqft Living Area
Gross Area	3,450 sqft
1st Floor Area	2,464 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2003
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	9,601 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	670 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	316 sqft
Deck Area	100 sqft
Patio Area	100 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R21114
Street Address	4830 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 2
Legal Range	16E
Legal Township	28S
Legal Section	3
Legal Subdivision	CROSS POINTE
Legal Tract	19688
Legal Block	4
Legal Lot Number	2
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4830 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2017	Deed of Trust, Mortgage · Commercial Mortgage WHITNEY BANK
Jul 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Feb 15, 2018	Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2018 · Amount on Record
Deed Sale	Feb 15, 2018 · Amount on Record
Prior Sale	Jul 15, 2015 · Amount on Record
Deed Document Number	201849285
Deed Book / Page	19943 / 2529
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4830 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	0196390686
Date	May 23, 2017
Book Page	19639/0686
Instrument	2017160036

Lender

Name	WHITNEY BANK
Type	Bank
Address	TARPON SPRINGS, FL 34689

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Apr 21, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4830 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	REPUBLIC LAND & TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210801187
Date	Jul 15, 2020
Book Page	21080/1187
Instrument	2020210988

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Feb 15, 2018
Property Address	4830 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Document Number	0199432529
Book / Page	19943 / 2529
Map Reference	MB106 PG49-54
Instrument Date	Feb 15, 2018
Instrument	2018049285
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ABI ROAD LAND & TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,377.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2394 HANOVER DR, 2394, DUNEDIN, FL 34698-2572

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Et Ux (and Wife)
Address	4830 CROSS POINTE DR, OLDSMAR, FL 34677-5201

Mortgage

Document Number	2018049286
Date	Feb 15, 2018
Instrument	2018049286

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2038

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	$5,782.00 (+7.53%) Homeowner's exemption	$354,699 (+5.99%)	$701,967 (+11.8%) Land $137,549 Building $564,418
2023	$5,377.00 (+2.79%) Homeowner's exemption	$334,663 (+3%)	$627,852 (+23.62%) Land $189,101 Building $438,751
2022	$5,231.00 Homeowner's exemption	$324,916	$507,900 Land $170,876 Building $337,024

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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