5217 Enclave Dr, Oldsmar, FL 34677 Property Records

Pinellas County property record for 5217 Enclave Dr, Oldsmar, FL 34677

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,828 sqft · built 1997
Lot Size	0.95 acres (41,360 sqft)
Owner	2 Individual Names on File
Last Sale	$1,375,000 (Sep 2023)
Tax Bill	$24,027 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`C62-000-758-1605-8`

Property Details

APN / Parcel Number

Primary APN	`C62-000-758-1605-8`
Alternative APNs	`03-28-16-25832-000-0080` `281603258320000080` `162803258320000080` `R21201`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	20 Plumbing Fixtures
Stories	2 Stories
Building Area	4,828 sqft Living Area
Gross Area	6,245 sqft
1st Floor Area	3,292 sqft
Upper Floors Area	1,536 sqft
Flooring	Carpet

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2004
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	41,360 sqft (0.95 acres)
Lot Dimensions	172 ft deep x 135 ft wide
View / Lot	Park
Garage Type	Attached
Garage Area	879 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	460 sqft
Deck Area	230 sqft
Patio Area	230 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R21201
Street Address	5217 ENCLAVE DR
City	OLDSMAR
State	FL
Zip	34677-1962
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD251
Legal Description	ENCLAVE AT EAST LAKE WOODLANDS LOT 8
Legal Range	16E
Legal Township	28S
Legal Section	3
Legal Subdivision	ENCLAVE AT EAST LAKE
Legal Tract	25832
Legal Block	1
Legal Lot Number	8
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1007
Census Tract	27325

Owner

5217 Enclave Dr is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	5217 ENCLAVE DR, OLDSMAR, FL 34677-1962
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 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 7, 2023	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2023 · Amount on File
Deed Sale	Sep 7, 2023 · Amount on File
Prior Sale	Jan 14, 1997 · Amount on File
Deed Document Number	2023230326
Deed Book / Page	22556 / 2038
Prior Transfer Date	Feb 4, 2014
Prior Transfer Doc	0183020134
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	5217 ENCLAVE DR, OLDSMAR, FL 34677-1962
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5217 ENCLAVE DR, OLDSMAR, FL 34677-1962

Mortgage

Document Number	0234911019
Date	Mar 18, 2026
Book Page	23491/1019
Instrument	2026073381

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 7, 2023
Property Address	5217 ENCLAVE DR, OLDSMAR, FL 34677-1962
Document Number	0225562038
Book / Page	22556 / 2038
Map Reference	MB 112 PG 26-28
Instrument Date	Aug 31, 2023
Instrument	2023230326
Transaction Type	Transfer
Record Updated	Sep 22, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,625.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1208 PLAYMOOR DR, PALM HARBOR, FL 34683-1471

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5217 ENCLAVE DR, OLDSMAR, FL 34677-1962

Mortgage

Document Number	0225562040
Date	Sep 7, 2023
Instrument	22556/2040

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	8%
Type Change Date	Sep 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	13%
Max Rate	13%

Tax Assessment & Valuation

The 2025 property tax bill for 5217 Enclave Dr was $24,027 with a homeowner's exemption, up 5.4% 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	$24,027.00 (+5.37%) Homeowner's exemption	$1,355,775	$1,426,373 Land $251,477 Building $1,174,896
2024	$22,802.00 (+124.47%)
2023	$10,158.00 (+2.59%) Homeowner's exemption	$592,368 (+3%)	$1,261,481 (+29.85%) Land $331,604 Building $929,877
2022	$9,902.00 Homeowner's exemption	$575,115	$971,470 Land $247,659 Building $723,811

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 5217 Enclave 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 5217 Enclave Dr is high, ranking above 74% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 74% of the US · above 59% of Florida
Wildfire Likelihood	0.4% 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 123 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 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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