490 Palmdale Dr, Oldsmar, FL 34677 Property Records

Pinellas County property record for 490 Palmdale Dr, Oldsmar, FL 34677

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,364 sqft · built 1979
Lot Size	0.355 acres (15,451 sqft)
Owner	2 Individual Names on File
Last Sale	$835,000 (Oct 2021)
Tax Bill	$15,264 (2025)
Deeds & Mortgages	Oct 2022 Transfer Oct 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`C62-000-759-0905-1`

Property Details

APN / Parcel Number

Primary APN	`C62-000-759-0905-1`
Alternative APNs	`09-28-16-23925-000-1890` `281609239250001890` `162809239250001890` `R98089`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	4,364 sqft Living Area
Gross Area	5,658 sqft
1st Floor Area	4,364 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2002
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	15,451 sqft (0.355 acres)
Lot Dimensions	138 ft deep x 91 ft wide
View / Lot	Golf Course
Garage Type	Attached
Garage Area	761 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	533 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	R98089
Street Address	490 PALMDALE DR
City	OLDSMAR
State	FL
Zip	34677-2068
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD5
Legal Description	EAST LAKE WOODLANDS UNIT 1 LOT 189
Legal Range	16E
Legal Township	28S
Legal Section	9
Legal Subdivision	EAST LAKE WOODLANDS
Legal Tract	23925
Legal Lot Number	189
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	2
Census Block	2011
Census Tract	27325

Owner

490 Palmdale Dr is owned and occupied by two individuals who acquired it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	490 PALMDALE DR, OLDSMAR, FL 34677-2068
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 31, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Oct 11, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2021 · Amount on File
Deed Sale	Oct 11, 2021 · Amount on File
Prior Sale	Jul 21, 2008 · Amount on File
Deed Document Number	2021331831
Deed Book / Page	21755 / 1329
Last Transfer Date	Oct 26, 2022
Transfer Doc	0222482264
Record Updated	Oct 29, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PINELLAS FL
Recording Date	Oct 31, 2022
Property Address	490 PALMDALE DR, OLDSMAR, FL 34677-2068
Document Number	0222482264
Book / Page	22248 / 2264
Map Reference	MB 75 PG 9-12
Instrument Date	Oct 26, 2022
Instrument	2022316753
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	490 PALMDALE DR, 490, OLDSMAR, FL 34677-2068

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	490 PALMDALE DR, OLDSMAR, FL 34677-2068

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 11, 2021
Property Address	490 PALMDALE DR, OLDSMAR, FL 34677-2068
Document Number	0217551329
Book / Page	21755 / 1329
Map Reference	MB 75 PG 9-12
Instrument Date	Oct 8, 2021
Instrument	2021331831
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	TITLE INSIGHTS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,845.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6911 PISTOL RANGE RD # RD101B, 6911, TAMPA, FL 33635-6335

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 PALMDALE DR, OLDSMAR, FL 34677-2068

Mortgage

Document Number	0217551331
Date	Oct 11, 2021
Instrument	21755/1331

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Nov 1, 2026
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	4%
Index	Other
Margin	3
Max Rate	7%

Tax Assessment & Valuation

The 2025 property tax bill for 490 Palmdale Dr was $15,264 with a homeowner's exemption, up 5.4% 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	$15,264.00 (+5.44%) Homeowner's exemption	$870,302	$1,018,749 Land $147,747 Building $871,002
2024	$14,476.00 (+1.49%)
2023	$14,263.00 (+2.52%) Homeowner's exemption	$821,141 (+3%)	$888,338 (+11.43%) Land $190,361 Building $697,977
2022	$13,913.00 Homeowner's exemption	$797,224	$797,224 Land $250,799 Building $546,425

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

Flood

FEMA maps place 490 Palmdale 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 267 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	267 in force
Nearby Flood Claims	22 (1979–2026)
Claims Outside the SFHA	14 of 22
Most Recent Claim	Jul 2026 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims Hurricane Irma, Sep 2017 · 3 claims Tropical Storm Debby, Jun 2012 · 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 490 Palmdale Dr is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% 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 172 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

May also be available: T-Mobile.

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