4899 Cross Pointe Dr, Oldsmar, FL 34677 Property Records

Pinellas County property record for 4899 Cross Pointe Dr, Oldsmar, FL 34677

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,707 sqft · built 1992
Lot Size	0.277 acres (12,079 sqft)
Owner	2 Trust Names on File
Last Sale	$429,900 (Mar 2008)
Tax Bill	$5,730 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Mar 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`C62-000-758-1417-8`

Property Details

APN / Parcel Number

Primary APN	`C62-000-758-1417-8`
Alternative APNs	`03-28-16-19688-001-0210` `281603196880010210` `162803196880010210` `R21013`

Interior

Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,707 sqft Living Area
Gross Area	3,675 sqft
1st Floor Area	2,707 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	12,079 sqft (0.277 acres)
Lot Dimensions	143 ft deep x 90 ft wide
View / Lot	Golf Course
Garage Type	Attached
Garage Area	610 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	358 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	R21013
Street Address	4899 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 21
Legal Range	16E
Legal Township	28S
Legal Section	3
Legal Subdivision	CROSS POINTE
Legal Tract	19688
Legal Block	1
Legal Lot Number	21
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1007
Census Tract	27325

Owner

4899 Cross Pointe Dr is owner-occupied and held in a trust since March 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	4899 CROSS POINTE DR, OLDSMAR, FL 34677-5202
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Mar 11, 2024	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage INNOVATIVE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2008 · Amount on File
Deed Sale	Mar 6, 2008 · Amount on File
Deed Document Number	200862898
Deed Book / Page	16174 / 1343
Last Transfer Date	Mar 26, 2025
Transfer Doc	0231240950
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4899 CROSS POINTE DR, OLDSMAR, FL 34677-5202
Transaction Type	Mortgage
Record Updated	Mar 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4899 CROSS POINTE DR, OLDSMAR, FL 34677-5202
Investor	Possibly a Property Investor

Mortgage

Document Number	0227292292
Date	Mar 11, 2024
Book Page	22729/2292
Instrument	2024060851

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Mar 5, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4899 CROSS POINTE DR, OLDSMAR, FL 34677-5202
Document Number	0209490366
Instrument Date	Mar 27, 2020
Transaction Type	Mortgage
Record Updated	Apr 30, 2020
Title Company	SOUTHERN TITLE, SOUTHERN TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4899 CROSS POINTE DR OLDSMAR FL 346775202, OLDSMAR, FL 34677-5202

Mortgage

Document Number	0209490366
Date	Apr 2, 2020
Book Page	020949/000366
Instrument	110317

Lender

Name	INNOVATIVE MTG
Type	Mortgage Company
Address	LUTZ, FL 33558

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 4899 Cross Pointe Dr was $5,730, up 5.7% 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	$5,730.00 (+5.7%)	$351,786	$756,704 Land $158,428 Building $598,276
2024	$5,421.00 (+1.76%)
2023	$5,327.00 (+2.78%) Homeowner's exemption	$331,915 (+3%)	$689,419 (+12.38%) Land $219,506 Building $469,913
2022	$5,183.00 Homeowner's exemption	$322,248	$613,446 Land $255,955 Building $357,491

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

Flood

FEMA maps place 4899 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 4899 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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