4918 Pointe Cir, Oldsmar, FL 34677 Property Records

Pinellas County property record for 4918 Pointe Cir, Oldsmar, FL 34677

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,462 sqft · built 1997
Lot Size	0.227 acres (9,901 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Nov 2017)
Tax Bill	$5,399 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Aug 2021 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`C62-000-758-1489-7`

Property Details

APN / Parcel Number

Primary APN	`C62-000-758-1489-7`
Alternative APNs	`03-28-16-19688-001-0930` `281603196880010930` `162803196880010930` `R21085`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,462 sqft Living Area
Gross Area	3,568 sqft
1st Floor Area	2,462 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
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	9,901 sqft (0.227 acres)
Lot Dimensions	120 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	715 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	391 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	R21085
Street Address	4918 POINTE CIR
City	OLDSMAR
State	FL
Zip	34677-5225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD251
Legal Description	CROSS POINTE BLK 1, LOT 93
Legal Range	16E
Legal Township	28S
Legal Section	3
Legal Subdivision	CROSS POINTE
Legal Tract	19688
Legal Block	1
Legal Lot Number	93
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1007
Census Tract	27325

Owner

Source: Pinellas County records, as of June 2, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	4918 POINTE CIR, OLDSMAR, FL 34677-5225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Aug 16, 2021	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Nov 30, 2017	Warranty Deed, Transfer · ARM MORGAN STANLEY PRIVATE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2017 · Amount on Record
Deed Sale	Nov 30, 2017 · Amount on Record
Prior Sale	Sep 5, 2008 · Amount on Record
Deed Document Number	2017363349
Deed Book / Page	19857 / 499
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4918 POINTE CIR, OLDSMAR, FL 34677-5225
Transaction Type	Mortgage
Record Updated	Dec 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4918 POINTE CIR, OLDSMAR, FL 34677-5225

Mortgage

Document Number	0233500988
Date	Nov 5, 2025
Book Page	23350/988
Instrument	2025313365

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 21, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4918 POINTE CIR, OLDSMAR, FL 34677-5225
Transaction Type	Mortgage
Record Updated	Aug 30, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0216720286
Date	Aug 16, 2021
Book Page	21672/286
Instrument	2021267501

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2051

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Nov 30, 2017
Property Address	4918 POINTE CIR, OLDSMAR, FL 34677-5225
Document Number	0198570499
Book / Page	19857 / 0499
Map Reference	MB106 PG4-549
Instrument Date	Nov 27, 2017
Instrument	2017363349
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4918 POINTE CIR, OLDSMAR, FL 34677-5225

Mortgage

Document Number	2017363350
Date	Nov 30, 2017
Instrument	2017363350

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.14%
Type Change Date	Jan 1, 2028
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	9.14%
Index	1-Year LIBOR
Max Rate	9.14%

Tax Assessment & Valuation

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	$5,399.00 (+7.61%) Homeowner's exemption	$333,475 (+5.99%)	$710,062 (+11.56%) Land $141,195 Building $568,867
2023	$5,017.00 (+2.81%) Homeowner's exemption	$314,638 (+3%)	$636,496 (+23.59%) Land $194,210 Building $442,286
2022	$4,880.00 Homeowner's exemption	$305,474	$515,016 Land $175,378 Building $339,638

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
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 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach

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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