4846 Cross Pointe Dr, Oldsmar, FL 34677 Property Records

Pinellas County property record for 4846 Cross Pointe Dr, Oldsmar, FL 34677

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,594 sqft · built 1993
Lot Size	0.22 acres (9,601 sqft)
Owner	2 Owner Names on Record
Last Sale	$259,000 (Jul 1999)
Tax Bill	$4,499 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Oct 2020 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`C62-000-758-1520-9`

Property Details

APN / Parcel Number

Primary APN	`C62-000-758-1520-9`
Alternative APNs	`03-28-16-19688-004-0040` `162803196880040040` `R21116`

Interior

Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,594 sqft Heated Area
1st Floor Area	2,594 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2003
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Concrete Tile
Lot Area	9,601 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Area	623 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	453 sqft
Deck Area	130 sqft
Patio Area	130 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R21116
Old Parcel Number	162803196880040040
Street Address	4846 CROSS POINTE DR
City	OLDSMAR
State	FL
Zip	34677-5201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CROSS POINTE BLK 4, LOT 4
Legal Range	16
Legal Township	28
Legal Section	03
Legal Subdivision	CROSS POINTE
Legal Block	4
Legal Lot Number	4
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 December 26, 2025

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

Owner of Record	2 Owner Names on Record
Mailing Address	4846 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Oct 23, 2020	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 1999 · Amount on Record
Deed Sale	Jul 9, 1999 · Amount on Record
Prior Sale	Mar 24, 1998 · Amount on Record
Deed Document Number	1058301878
Deed Book / Page	10583 / 01878
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4846 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4846 CROSS POINTE DR, OLDSMAR, FL 34677-5201

Mortgage

Document Number	0222101012
Date	Sep 22, 2022
Book Page	22210/1012
Instrument	2022286555

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 2, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4846 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4846 CROSS POINTE DR, OLDSMAR, FL 34677-5201

Mortgage

Document Number	0212220981
Date	Oct 23, 2020
Book Page	21222/981
Instrument	2020318216

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 29, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4846 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4846 CROSS POINTE DR, OLDSMAR, FL 34677-5201

Mortgage

Document Number	0213172119
Date	Dec 28, 2020
Book Page	21317/2119
Instrument	2020389377

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of July 1, 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	$4,499.00 (+7.81%) Homeowner's exemption	$283,593 (+5.99%)	$715,170 (+12.24%) Land $136,113 Building $579,057
2023	$4,173.00 (+2.91%) Homeowner's exemption	$267,574 (+3%)	$637,174 (+24%) Land $187,597 Building $449,577
2022	$4,055.00 Homeowner's exemption	$259,781	$513,844 Land $169,192 Building $344,652

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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