4838 Cross Pointe Dr, Oldsmar, FL 34677 Property Records

Pinellas County property record for 4838 Cross Pointe Dr, Oldsmar, FL 34677

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,548 sqft · built 1994
Lot Size	0.22 acres (9,601 sqft)
Owner	2 Individual Names on Record
Last Sale	$503,000 (Jul 2019)
Tax Bill	$6,446 (2025)
Deeds & Mortgages	May 2020 Mortgage Jul 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`C62-000-758-1519-1`

Property Details

APN / Parcel Number

Primary APN	`C62-000-758-1519-1`
Alternative APNs	`03-28-16-19688-004-0030` `281603196880040030` `162803196880040030` `R21115`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,548 sqft Living Area
Gross Area	3,525 sqft
1st Floor Area	2,548 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2004
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
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	621 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	356 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	R21115
Street Address	4838 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 3
Legal Range	16E
Legal Township	28S
Legal Section	3
Legal Subdivision	CROSS POINTE
Legal Tract	19688
Legal Block	4
Legal Lot Number	3
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 10, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	4838 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage VAN DYK MORTGAGE CORP
Jul 30, 2019	Warranty Deed, Transfer · Conventional Mortgage VAN DYK MORTGAGE CORP
Aug 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
May 21, 2018	Warranty Deed, Transfer · Conventional with PMI NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2019 · Amount on Record
Deed Sale	Jul 30, 2019 · Amount on Record
Prior Sale	May 21, 2018 · Amount on Record
Deed Document Number	2019239994
Deed Book / Page	20633 / 488
Prior Transfer Date	Apr 3, 2009
Prior Transfer Doc	0165541752
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4838 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	COMMUNITY LAND TTL INS AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0209862057
Date	May 1, 2020
Book Page	20986/2057
Instrument	2020140714

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

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

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jul 30, 2019
Property Address	4838 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Document Number	0206330488
Book / Page	20633 / 0488
Map Reference	MB 106 PG 49-54
Instrument Date	Jul 26, 2019
Instrument	2019239994
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	INSURED TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,521.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4356 ELLINWOOD BLVD, 4356, PALM HARBOR, FL 34685-2635

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4838 CROSS POINTE DR, OLDSMAR, FL 34677-5201

Mortgage

Document Number	0206330490
Date	Jul 30, 2019
Instrument	20633/0490

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4838 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Document Number	0202010604
Instrument Date	Aug 29, 2018
Transaction Type	Mortgage
Record Updated	Sep 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4838 CROSS POINTE DR OLDSMAR FL 346775201, OLDSMAR, FL 34677-5201

Mortgage

Document Number	0202010604
Date	Sep 11, 2018
Book Page	020201/000604
Instrument	291293

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.62%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	May 21, 2018
Property Address	4838 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Document Number	0200590514
Book / Page	020059 / 000514
Instrument Date	May 17, 2018
Instrument	161463
Transaction Type	Transfer
Record Updated	Jun 19, 2018
Title Company	MASTER TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,429.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4838 CROSS POINTE DR OLDSMAR FL 346775201, OLDSMAR, FL 34677-5201

Mortgage

Document Number	200590518
Date	May 21, 2018
Book Page	020059/000518
Instrument	161465

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2048

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	$6,446.00 (+5.64%) Homeowner's exemption	$391,487 (+5.99%)	$714,724 (+11.87%) Land $137,003 Building $577,721
2024	$6,102.00 (+1.72%)
2023	$5,999.00 (+2.74%) Homeowner's exemption	$369,373 (+3%)	$638,886 (+24.18%) Land $189,278 Building $449,608
2022	$5,839.00 Homeowner's exemption	$358,615	$514,467 Land $170,446 Building $344,021

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 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% 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	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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