520 Palmdale Dr, Oldsmar, FL 34677 Property Records

Pinellas County property record for 520 Palmdale Dr, Oldsmar, FL 34677

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,646 sqft · built 1978
Lot Size	0.332 acres (14,449 sqft)
Owner	2 Individual Names on Record
Last Sale	$784,000 (Dec 2024)
Tax Bill	$10,668 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jan 2022 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`C62-000-759-0902-8`

Property Details

APN / Parcel Number

Primary APN	`C62-000-759-0902-8`
Alternative APNs	`09-28-16-23925-000-1860` `281609239250001860` `162809239250001860` `R98086`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,646 sqft Living Area
Gross Area	3,786 sqft
1st Floor Area	2,646 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2001
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	14,449 sqft (0.332 acres)
Lot Dimensions	132 ft deep x 111 ft wide
View / Lot	Golf Course
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	611 sqft
Deck Area	210 sqft
Patio Area	210 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R98086
Street Address	520 PALMDALE DR
City	OLDSMAR
State	FL
Zip	34677-2029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD5
Legal Description	EAST LAKE WOODLANDS UNIT 1 LOT 186
Legal Range	16E
Legal Township	28S
Legal Section	9
Legal Subdivision	EAST LAKE WOODLANDS
Legal Tract	23925
Legal Lot Number	186
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	2
Census Block	2011
Census Tract	27325

Owner

Source: Pinellas County records, as of September 14, 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	12617 81ST TER, SEMINOLE, FL 33776-3617
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2026	Deed of Trust, Mortgage · VA Mortgage ATLANTIC COAST MORTGAGE
Jan 13, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Aug 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jan 7, 2019	Warranty Deed, Transfer · ARM FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2024 · Amount on Record
Deed Sale	Dec 9, 2024 · Amount on Record
Prior Sale	Jan 7, 2019 · Amount on Record
Deed Document Number	2024306840
Deed Book / Page	22996 / 1193
Prior Transfer Date	Jan 5, 2022
Prior Transfer Doc	0218901905
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	520 PALMDALE DR, OLDSMAR, FL 34677-2029
Transaction Type	Mortgage
Record Updated	Feb 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 PALMDALE DR, OLDSMAR, FL 34677-2029

Mortgage

Document Number	0234250498
Date	Jan 16, 2026
Book Page	23425/498
Instrument	2026013019

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PINELLAS FL
Recording Date	Jan 13, 2022
Property Address	520 PALMDALE DR, OLDSMAR, FL 34677-2029
Document Number	0218901905
Book / Page	21890 / 1905
Map Reference	MB 75 PG 9-12
Instrument Date	Jan 5, 2022
Instrument	2022013688
Transaction Type	Transfer
Record Updated	Jan 26, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 PALMDALE DR, OLDSMAR, FL 34677-2029

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	520 PALMDALE DR, OLDSMAR, FL 34677-2029
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE OF F

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201741393
Date	Aug 20, 2018
Book Page	20174/1393
Instrument	2018266829

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jan 7, 2019
Property Address	520 PALMDALE DR, OLDSMAR, FL 34677-2029
Document Number	0203880911
Book / Page	20388 / 0911
Map Reference	MB 75 PG 9-12
Instrument Date	Jan 4, 2019
Instrument	2019005752
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	PLATINUM NATIONAL TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,324.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	32 MORNING GLORY LN, 32, LAKEWOOD, NJ 08701-5719

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 PALMDALE DR, OLDSMAR, FL 34677-2029

Mortgage

Document Number	2019005753
Date	Jan 7, 2019
Instrument	2019005753

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jan 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

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	$10,668.00 (+53.61%)	$630,334 (+49.34%) Land $172,929 Building $457,405	$630,334 (+7.72%) Land $172,929 Building $457,405
2023	$6,945.00 (+2.69%) Homeowner's exemption	$422,070 (+3%)	$585,152 (+6.49%) Land $215,872 Building $369,280
2022	$6,763.00 Homeowner's exemption	$409,777	$549,493 Land $271,751 Building $277,742

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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.

Nearby Properties on Palmdale Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures