Pinellas County property record for 56 Emerald Bay Dr, Oldsmar, FL 34677
| Property Type | Planned Unit Development |
|---|---|
| Details | 1,222 sqft · built 1990 |
| Lot Size | 0.082 acres (3,549 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $155,000 (Aug 2005) |
| Tax Bill | $541 (2025) |
| Deeds & Mortgages | Sep 2026 Sale Jul 2019 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | C62-000-759-5629-2 |
| Primary APN | C62-000-759-5629-2 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,222 sqft Living Area |
| 1st Floor Area | 1,222 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Brick/Stone |
| Construction Type | Wood |
| Lot Area | 3,549 sqft (0.082 acres) |
| View / Lot | Corner |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Slab |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | R159858 |
|---|---|
| Street Address | 56 EMERALD BAY DR |
| City | OLDSMAR |
| State | FL |
| Zip | 34677-5001 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Planned Unit Development |
| Legal Description | EMERALD BAY LOT 56 |
| Legal Range | 16E |
| Legal Township | 28S |
| Legal Section | 15 |
| Legal Subdivision | EMERALD BAY |
| Legal Tract | 25790 |
| Legal Lot Number | 56 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 27319 |
56 Emerald Bay Dr, a planned unit development, is owned by two individuals who acquired it in September 2026.
Source: Pinellas County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 14856, CLEARWATER, FL 33766-4856 |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 21, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Jul 19, 2019 | Deed of Trust, Mortgage · Line of Credit GROW FINANCIAL FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 30, 2005 · Amount on File |
| Deed Sale | Aug 30, 2005 · Amount on File |
| Prior Sale | Dec 28, 2001 · Amount on File |
| Deed Document Number | 2005344980 |
| Deed Book / Page | 14565 / 526 |
| Last Transfer Date | Sep 16, 2026 |
| Transfer Doc | 0000250810 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Sep 21, 2026 |
| Property Address | 56 EMERALD BAY DR, OLDSMAR, FL 34677-5001 |
| Document Number | 0000250810 |
| Book / Page | 23698 / 864 |
| Instrument Date | Sep 16, 2026 |
| Instrument | 2026250810 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 56 EMERALD BAY DR, OLDSMAR, FL 34677-5001 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0206200035 |
|---|---|
| Date | Jul 19, 2019 |
| Book Page | 20620/0035 |
| Instrument | 2019228001 |
| Name | GROW FINANCIAL FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33619 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Aug 1, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 56 Emerald Bay Dr was $541.
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Municipality | Oldsmar City |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $541.00 | $66,451 | $228,592 Building $228,592 |
| 2023 | $511.00 (+1.59%) Homeowner's exemption | $62,697 (+3%) | $207,542 (+12.45%) Building $207,542 |
| 2022 | $503.00 Homeowner's exemption | $60,871 | $184,567 Building $184,567 |
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.
FEMA maps place 56 Emerald Bay Dr 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 | 11.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 195 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 195 in force |
| Nearby Flood Claims | 2 (2024) |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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 56 Emerald Bay Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 288 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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