4851 Cross Pointe Dr, Oldsmar, FL 34677 Property Records

Pinellas County property record for 4851 Cross Pointe Dr, Oldsmar, FL 34677

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,477 sqft · built 1992
Lot Size	0.237 acres (10,328 sqft)
Owner	2 Individual Names on File
Last Sale	$528,000 (Jun 2019)
Tax Bill	$7,296 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`C62-000-758-1411-1`

Property Details

APN / Parcel Number

Primary APN	`C62-000-758-1411-1`
Alternative APNs	`03-28-16-19688-001-0150` `281603196880010150` `162803196880010150` `R21007`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,477 sqft Living Area
Gross Area	3,530 sqft
1st Floor Area	2,477 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
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	10,328 sqft (0.237 acres)
Lot Dimensions	129 ft deep x 80 ft wide
View / Lot	Golf Course
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	397 sqft
Deck Area	210 sqft
Patio Area	210 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R21007
Street Address	4851 CROSS POINTE DR
City	OLDSMAR
State	FL
Zip	34677-5202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD251
Legal Description	CROSS POINTE BLK 1, LOT 15
Legal Range	16E
Legal Township	28S
Legal Section	3
Legal Subdivision	CROSS POINTE
Legal Tract	19688
Legal Block	1
Legal Lot Number	15
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1007
Census Tract	27325

Owner

4851 Cross Pointe Dr is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	4851 CROSS POINTE DR, OLDSMAR, FL 34677-5202
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Oct 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jun 28, 2019	Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2019 · Amount on File
Deed Sale	Jun 28, 2019 · Amount on File
Prior Sale	Nov 8, 2005 · Amount on File
Deed Document Number	2019206916
Deed Book / Page	20596 / 1371
Prior Transfer Date	May 31, 2005
Prior Transfer Doc	0143751484
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4851 CROSS POINTE DR, OLDSMAR, FL 34677-5202
Transaction Type	Mortgage
Record Updated	Nov 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4851 CROSS POINTE DR, OLDSMAR, FL 34677-5202

Mortgage

Document Number	0217781443
Date	Oct 26, 2021
Book Page	21778/1443
Instrument	2021350072

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4851 CROSS POINTE DR, OLDSMAR, FL 34677-5202
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4851 CROSS POINTE DR, OLDSMAR, FL 34677-5202

Mortgage

Document Number	0211890347
Date	Oct 1, 2020
Book Page	21189/347
Instrument	2020292163

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jun 28, 2019
Property Address	4851 CROSS POINTE DR, OLDSMAR, FL 34677-5202
Document Number	0205961371
Book / Page	20596 / 1371
Map Reference	MB 106 PG 49
Instrument Date	Jun 27, 2019
Instrument	2019206916
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,696.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4851 CROSS POINTE DR, 4851, OLDSMAR, FL 34677-5202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4851 CROSS POINTE DR, OLDSMAR, FL 34677-5202

Mortgage

Document Number	0205961373
Date	Jun 28, 2019
Instrument	20596/1373

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4851 Cross Pointe Dr was $7,296 with a homeowner's exemption, up 5.6% from the year before.

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	$7,296.00 (+5.6%) Homeowner's exemption	$438,567	$717,000 Land $142,278 Building $574,722
2024	$6,909.00 (+1.66%)
2023	$6,796.00 (+2.69%) Homeowner's exemption	$413,793 (+3%)	$647,957 (+11.94%) Land $192,958 Building $454,999
2022	$6,618.00 Homeowner's exemption	$401,741	$578,863 Land $227,757 Building $351,106

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4851 Cross Pointe Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 4851 Cross Pointe Dr is moderate, ranking above 56% of the US, with a 0.1% annual chance of 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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