Pinellas County property record for 5124 Pinnacle Dr, Oldsmar, FL 34677
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,184 sqft · built 1994 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $367,000 (Jul 2018) |
| Tax Bill | $4,252 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Mar 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | C62-000-758-1697-5 |
| Primary APN | C62-000-758-1697-5 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,184 sqft Living Area |
| Gross Area | 3,048 sqft |
| 1st Floor Area | 2,184 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1994 |
|---|---|
| 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 | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 180 ft deep x 78 ft wide |
| View / Lot | Golf Course |
| Garage Type | Attached |
| Garage Area | 490 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened/Unfinished Porch |
| Porch Area | 374 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R21293 |
|---|---|
| Street Address | 5124 PINNACLE DR |
| City | OLDSMAR |
| State | FL |
| Zip | 34677-1928 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD251 |
| Legal Description | PARCEL B - THE PINNACLE LOT 12 |
| Legal Range | 16E |
| Legal Township | 28S |
| Legal Section | 3 |
| Legal Subdivision | PARCEL B - THE PINNACLE |
| Legal Tract | 66265 |
| Legal Lot Number | 12 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 27325 |
5124 Pinnacle Dr is owned and occupied by two individuals who acquired it in April 2021.
Source: Pinellas County records, as of March 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5124 PINNACLE DR, OLDSMAR, FL 34677-1928 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Apr 22, 2024 | Deed of Trust, Mortgage · Balloon Mortgage TROY BORKOWSKI |
| Mar 22, 2023 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Apr 28, 2021 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Oct 15, 2019 | Deed of Trust, Mortgage · Conventional Mortgage HOMESPIRE MORTGAGE CORP |
| Jul 26, 2018 | Warranty Deed, Transfer · Conventional Mortgage HOMESPIRE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 26, 2018 · Amount on File |
| Deed Sale | Jul 26, 2018 · Amount on File |
| Prior Sale | May 5, 1994 · Amount on File |
| Deed Document Number | 2018238072 |
| Deed Book / Page | 20143 / 899 |
| Last Transfer Date | Apr 22, 2021 |
| Transfer Doc | 0215071846 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 5124 PINNACLE DR, OLDSMAR, FL 34677-1928 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2024 |
| Name | Verified Name |
|---|---|
| Address | 5124 PINNACLE DR, OLDSMAR, FL 34677-1928 |
| Document Number | 0227732357 |
|---|---|
| Date | Apr 22, 2024 |
| Book Page | 22773/2357 |
| Instrument | 2024101062 |
| Name | TROY BORKOWSKI |
|---|---|
| Type | Private Party |
| Address | 504 AUSTIN DR, TARPON SPNGS, FL 34688 |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 37 Months |
| Due | May 1, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 5124 PINNACLE DR, OLDSMAR, FL 34677-1928 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5124 PINNACLE DR, OLDSMAR, FL 34677-1928 |
| Document Number | 0223831224 |
|---|---|
| Date | Mar 22, 2023 |
| Book Page | 22383/1224 |
| Instrument | 2023074496 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 3, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Apr 28, 2021 |
| Property Address | 5124 PINNACLE DR, OLDSMAR, FL 34677-1928 |
| Document Number | 0215071846 |
| Book / Page | 21507 / 1846 |
| Map Reference | MB 109 PG 93-95 |
| Instrument Date | Apr 22, 2021 |
| Instrument | 2021138909 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5124 PINNACLE DR, OLDSMAR, FL 34677-1928 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 5124 PINNACLE DR, OLDSMAR, FL 34677-1928 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0207331524 |
|---|---|
| Date | Oct 15, 2019 |
| Book Page | 20733/1524 |
| Instrument | 2019332962 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | GAITHERSBURG, MD 20878 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Jul 26, 2018 |
| Property Address | 5124 PINNACLE DR, OLDSMAR, FL 34677-1928 |
| Document Number | 0201430899 |
| Book / Page | 20143 / 0899 |
| Map Reference | MB 109 PG 93-95 |
| Instrument Date | Jul 25, 2018 |
| Instrument | 2018238072 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | CAPSTONE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,569.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3591 LANDMARK TRL, 3591, PALM HARBOR, FL 34684-5017 |
| Name | Verified Name |
|---|---|
| Address | 5124 PINNACLE DR, OLDSMAR, FL 34677-1928 |
| Document Number | 2018238073 |
|---|---|
| Date | Jul 26, 2018 |
| Instrument | 2018238073 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Aug 1, 2038 |
The 2025 property tax bill for 5124 Pinnacle Dr was $4,252, up 5.9% from the year before.
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,252.00 (+5.85%) | $269,909 | $535,400 Land $160,427 Building $374,973 |
| 2024 | $4,017.00 (+1.93%) | ||
| 2023 | $3,941.00 (+2.95%) Homeowner's exemption | $254,662 (+3%) | $536,185 (+5.43%) Land $188,296 Building $347,889 |
| 2022 | $3,828.00 Homeowner's exemption | $247,245 | $508,578 Land $242,482 Building $266,096 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5124 Pinnacle 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 |
|
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 risk around 5124 Pinnacle Dr is high, ranking above 73% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 73% of the US · above 57% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 120 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 |
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