509 Timber Bay Cir E, Oldsmar, FL 34677 Property Records

Pinellas County property record for 509 Timber Bay Cir E, Oldsmar, FL 34677

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,275 sqft · built 1983
Lot Size	0.216 acres (9,392 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Mar 2024)
Tax Bill	$4,788 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Mar 2022 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`C62-000-760-8740-2`

Property Details

APN / Parcel Number

Primary APN	`C62-000-760-8740-2`
Alternative APNs	`25-28-16-81850-002-0090` `281625818500020090` `162825818500020090` `R268590`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,275 sqft Living Area
Gross Area	2,104 sqft
1st Floor Area	1,275 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	9,392 sqft (0.216 acres)
Lot Dimensions	114 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	511 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	318 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R268590
Street Address	509 TIMBER BAY CIR E
City	OLDSMAR
State	FL
Zip	34677-4323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHOREVIEW PHASE I BLK 2, LOT 9
Legal Range	16E
Legal Township	28S
Legal Section	25
Legal Subdivision	SHOREVIEW PHASE I
Legal Phase	1
Legal Tract	81850
Legal Block	2
Legal Lot Number	9
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	2
Census Block	2016
Census Tract	27320

Owner

509 Timber Bay Cir E is owned and occupied by two individuals who bought it in March 2024.

Source: Pinellas County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	509 TIMBER BAY CIR E, OLDSMAR, FL 34677-4323
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 7, 2024	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Mar 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK
Aug 17, 2021	Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC
Mar 30, 2017	Deed of Trust, Mortgage · Closed-End Mortgage HOME LOAN AND INVESTMENT BANK FSB
Dec 26, 2017	Deed of Trust, Mortgage · VA Mortgage RP FUNDING INC
Jan 28, 2020	Deed of Trust, Mortgage · VA Mortgage RP FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2024 · Amount on File
Deed Sale	Mar 7, 2024 · Amount on File
Deed Document Number	202457699
Deed Book / Page	22726 / 1353
Prior Transfer Date	Jan 13, 2013
Prior Transfer Doc	0178660449
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Mar 7, 2024
Property Address	509 TIMBER BAY CIR E, OLDSMAR, FL 34677-4323
Document Number	0227261353
Book / Page	22726 / 1353
Map Reference	MB 84 PG 51&52
Instrument Date	Mar 4, 2024
Instrument	2024057699
Transaction Type	Transfer
Record Updated	Mar 22, 2024
Title Company	TEXAS TITLE SOLUTIONS, TOTAL TITLE SOLUTIONS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6201 STAUNTON DR, HOLIDAY, FL 34690-2445

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 TIMBER BAY CIR E, OLDSMAR, FL 34677-4323

Mortgage

Document Number	0227261355
Date	Mar 7, 2024
Instrument	22726/1355

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	509 TIMBER BAY CIR E, OLDSMAR, FL 34677-4323
Transaction Type	Mortgage
Record Updated	Mar 29, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 TIMBER BAY CIR E, OLDSMAR, FL 34677-4323

Mortgage

Document Number	0219620362
Date	Mar 7, 2022
Book Page	21962/362
Instrument	2022070507

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	509 TIMBER BAY CIR E, OLDSMAR, FL 34677-4323
Transaction Type	Mortgage
Record Updated	Aug 30, 2021
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 TIMBER BAY CIR E, OLDSMAR, FL 34677-4323

Mortgage

Document Number	0216742605
Date	Aug 17, 2021
Book Page	21674/2605
Instrument	2021270056

Lender

Name	LOW VA RATES LLC
Type	Mortgage Company
Address	LINDON, UT 84042

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	355 Months
Due	Mar 1, 2051

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	509 TIMBER BAY CIR E, OLDSMAR, FL 34677-4323
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0195712504
Date	Mar 30, 2017
Book Page	19571/2504
Instrument	2017098696

Lender

Name	HOME LOAN AND INVESTMENT BANK FSB
Type	Bank
Address	WARWICK, RI 02886

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 28, 2037

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	509 TIMBER BAY CIR E, OLDSMAR, FL 34677-4323
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0198880897
Date	Dec 26, 2017
Book Page	19888/0897
Instrument	2017391664

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	MAITLAND, FL 32751

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2047

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	509 TIMBER BAY CIR E, OLDSMAR, FL 34677-4323
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0208601458
Date	Jan 28, 2020
Book Page	20860/1458
Instrument	2020029148

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 509 Timber Bay Cir E was $4,788 with a homeowner's exemption, up 557.7% from the year before.

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Municipality	Oldsmar City
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,788.00 (+557.69%) Homeowner's exemption	$314,865 Land $111,203 Building $203,662	$314,865 Land $111,203 Building $203,662
2024	$728.00 (-7.14%)
2023	$784.00 (+5.23%) Homeowner's exemption	$86,480 (+3%)	$275,925 (+24.07%) Land $177,804 Building $98,121
2022	$745.00 Homeowner's exemption	$83,961	$222,401 Land $146,828 Building $75,573

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 509 Timber Bay Cir E in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 615 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	615 in force
Nearby Flood Claims	473 (1979–2024)
Claims Outside the SFHA	9 of 473
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Helene, Oct 2024 · 239 claims Hurricane Frances, Oct 2004 · 26 claims Hurricane Elena, Sep 1985 · 107 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 509 Timber Bay Cir E is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.2% 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	OLDSMAR WATER SYSTEM serves 14,898 people · EPA ID FL6521417
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Timber Bay Cir E

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