5043 Cross Pointe Dr, Oldsmar, FL 34677 Property Records

Pinellas County property record for 5043 Cross Pointe Dr, Oldsmar, FL 34677

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,537 sqft · built 1995
Lot Size	0.226 acres (9,840 sqft)
Owner	2 Individual Names on File
Last Sale	$870,000 (Oct 2022)
Tax Bill	$12,899 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Oct 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`C62-000-758-1448-3`

Property Details

APN / Parcel Number

Primary APN	`C62-000-758-1448-3`
Alternative APNs	`03-28-16-19688-001-0520` `281603196880010520` `162803196880010520` `R21044`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,537 sqft Living Area
Gross Area	3,695 sqft
1st Floor Area	2,537 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2007
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	9,840 sqft (0.226 acres)
Lot Dimensions	120 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	714 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	444 sqft
Deck Area	120 sqft
Patio Area	120 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R21044
Street Address	5043 CROSS POINTE DR
City	OLDSMAR
State	FL
Zip	34677-5213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD251
Legal Description	CROSS POINTE BLK 1, LOT 52
Legal Range	16E
Legal Township	28S
Legal Section	3
Legal Subdivision	CROSS POINTE
Legal Tract	19688
Legal Block	1
Legal Lot Number	52
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1007
Census Tract	27325

Owner

5043 Cross Pointe Dr is owned and occupied by two individuals who bought it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	5043 CROSS POINTE DR, OLDSMAR, FL 34677-5213
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
Mar 3, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Oct 3, 2022	Warranty Deed, Transfer · Conventional Mortgage LEGACY MORTGAGE
Sep 25, 2020	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Aug 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage ETHOS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2022 · Amount on File
Deed Sale	Oct 3, 2022 · Amount on File
Prior Sale	Sep 25, 2020 · Amount on File
Deed Document Number	2022289561
Deed Book / Page	22215 / 1934
Prior Transfer Date	Jun 16, 2008
Prior Transfer Doc	0163021168
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	5043 CROSS POINTE DR, OLDSMAR, FL 34677-5213
Transaction Type	Mortgage
Record Updated	Mar 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5043 CROSS POINTE DR, OLDSMAR, FL 34677-5213

Mortgage

Document Number	0219570359
Date	Mar 3, 2022
Book Page	21957/359
Instrument	2022066816

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 10, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 3, 2022
Property Address	5043 CROSS POINTE DR, OLDSMAR, FL 34677-5213
Document Number	0222151934
Book / Page	22215 / 1934
Map Reference	MB 106 PG 49-54
Instrument Date	Sep 22, 2022
Instrument	2022289561
Transaction Type	Transfer
Record Updated	Mar 6, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,090.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6310 BAYSHORE RD # 228, 228, PALMETTO, FL 34221-8429

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5043 CROSS POINTE DR, OLDSMAR, FL 34677-5213

Mortgage

Document Number	0222151936
Date	Oct 3, 2022
Instrument	22215/1936

Lender

Name	LEGACY MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 25, 2020
Property Address	5043 CROSS POINTE DR, OLDSMAR, FL 34677-5213
Document Number	0211800431
Book / Page	21180 / 431
Map Reference	MB 106 PG 49-54
Instrument Date	Sep 21, 2020
Instrument	2020285944
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	PLATINUM NATIONAL TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,745.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2753 KEYSTONE RD, 2753, TARPON SPNGS, FL 34688-7412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5043 CROSS POINTE DR, OLDSMAR, FL 34677-5213

Mortgage

Document Number	0021180433
Date	Sep 25, 2020
Instrument	21180/433

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	5043 CROSS POINTE DR, OLDSMAR, FL 34677-5213
Document Number	0197470386
Book / Page	019747 / 000386
Instrument Date	Aug 15, 2017
Transaction Type	Mortgage
Record Updated	Sep 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5043 CROSS POINTE DR OLDSMAR FL 346775213, OLDSMAR, FL 34677-5213

Mortgage

Document Number	0197470386
Date	Aug 22, 2017
Book Page	019747/000386
Instrument	259840

Lender

Name	ETHOS LNDG
Address	PITTSBURGH, PA 15212

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 21, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5043 Cross Pointe Dr was $12,899 with a homeowner's exemption, up 5.5% 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	$12,899.00 (+5.45%) Homeowner's exemption	$748,928	$780,661 Land $140,097 Building $640,564
2024	$12,232.00 (+1.51%)
2023	$12,050.00 (+62.18%) Homeowner's exemption	$706,622 (+58.19%)	$706,622 (+27.83%) Land $197,699 Building $508,923
2022	$7,430.00 Homeowner's exemption	$446,686	$552,788 Land $175,240 Building $377,548

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

Flood

FEMA maps place 5043 Cross Pointe Dr in Zone X, an area of moderate flood risk, though there have been 10 flood claims nearby since 2011.

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 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 5043 Cross Pointe Dr is moderate, ranking above 53% 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 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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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