4890 Cross Pointe Dr, Oldsmar, FL 34677 Property Records

Pinellas County property record for 4890 Cross Pointe Dr, Oldsmar, FL 34677

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,188 sqft · built 1992
Lot Size	0.345 acres (15,041 sqft)
Owner	2 Company Names on File
Tax Bill	$4,452 (2025)
Deeds & Mortgages	Nov 2022 Transfer Aug 2021 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`C62-000-758-1524-1`

Property Details

APN / Parcel Number

Primary APN	`C62-000-758-1524-1`
Alternative APNs	`03-28-16-19688-004-0080` `281603196880040080` `162803196880040080` `R21120`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,188 sqft Living Area
Gross Area	3,126 sqft
1st Floor Area	2,188 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
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	15,041 sqft (0.345 acres)
Lot Dimensions	150 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	620 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	318 sqft
Deck Area	420 sqft
Patio Area	420 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R21120
Street Address	4890 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 8
Legal Range	16E
Legal Township	28S
Legal Section	3
Legal Subdivision	CROSS POINTE
Legal Tract	19688
Legal Block	4
Legal Lot Number	8
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1009
Census Tract	27325

Owner

4890 Cross Pointe Dr is owned by a company that acquired it in November 2022 and is owner-occupied.

Source: Pinellas County records, as of December 2, 2025

Owner of Record	2 Company Names on File
Mailing Address	4890 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Nov 18, 2022	Intrafamily Transfer, Transfer ATTORNEY
Aug 3, 2021	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK
Nov 3, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2020
Deed Sale	Nov 3, 2020
Prior Sale	Nov 9, 2006 · Amount on File
Deed Document Number	2020330430
Deed Book / Page	21239 / 711
Last Transfer Date	Nov 9, 2022
Transfer Doc	0222671519
Record Updated	Sep 20, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PINELLAS FL
Recording Date	Nov 18, 2022
Property Address	4890 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Document Number	0222671519
Book / Page	22267 / 1519
Map Reference	MB 106 PG 49-54
Instrument Date	Nov 9, 2022
Instrument	2022335260
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4890 CROSS POINTE DR, OLDSMAR, FL 34677-5201

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4890 CROSS POINTE DR, OLDSMAR, FL 34677-5201

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4890 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Transaction Type	Mortgage
Record Updated	Aug 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4890 CROSS POINTE DR, OLDSMAR, FL 34677-5201

Mortgage

Document Number	0216550586
Date	Aug 3, 2021
Book Page	21655/586
Instrument	2021253962

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 20, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PINELLAS FL
Recording Date	Nov 3, 2020
Property Address	4890 CROSS POINTE DR, OLDSMAR, FL 34677-5201
Document Number	0212390711
Book / Page	21239 / 711
Map Reference	MB 106 PG 49
Instrument Date	Oct 27, 2020
Instrument	2020330430
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ALBRITTON TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4890 CROSS POINTE DR, OLDSMAR, FL 34677-5201

Mortgage

Document Number	0021239712
Date	Nov 3, 2020
Instrument	21239/712

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 4890 Cross Pointe Dr was $4,452 with a homeowner's exemption, up 5.8% 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	$4,452.00 (+5.82%) Homeowner's exemption	$280,987	$714,565 Land $177,636 Building $536,929
2024	$4,207.00 (+1.89%)
2023	$4,129.00 (+2.94%) Homeowner's exemption	$265,115 (+3%)	$676,357 (+23.07%) Land $247,120 Building $429,237
2022	$4,011.00 Homeowner's exemption	$257,393	$549,566 Land $221,195 Building $328,371

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

Flood

FEMA maps place 4890 Cross Pointe Dr in Zone X, an area of moderate flood risk, within 500 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 500 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 4890 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

Nearby Properties on Cross Pointe Dr

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