61 Emerald Bay Dr, Oldsmar, FL 34677 Property Records

Pinellas County property record for 61 Emerald Bay Dr, Oldsmar, FL 34677

Property Summary

Property Type	Planned Unit Development
Details	2 bd · 3 ba · 1,264 sqft · built 1993
Lot Size	0.059 acres (2,547 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Jul 2010)
Tax Bill	$563 (2025)
Deeds & Mortgages	Feb 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`C62-000-759-5634-2`

Property Details

APN / Parcel Number

Primary APN	`C62-000-759-5634-2`
Alternative APNs	`15-28-16-25790-000-0610` `281615257900000610` `162815257900000610` `R159863`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,264 sqft Living Area
1st Floor Area	1,264 sqft
Media Room	Media Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1998
Exterior Material	Brick/Stone
Construction Type	Wood
Lot Area	2,547 sqft (0.059 acres)
View / Lot	Corner
Garage Type	Carport
Carport	Carport
Porch	Slab
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	R159863
Street Address	61 EMERALD BAY DR
City	OLDSMAR
State	FL
Zip	34677-5002
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Legal Description	EMERALD BAY LOT 61
Legal Range	16E
Legal Township	28S
Legal Section	15
Legal Subdivision	EMERALD BAY
Legal Tract	25790
Legal Lot Number	61
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	4
Census Block	4000
Census Tract	27319

Owner

61 Emerald Bay Dr, a planned unit development, is owned and occupied by an individual who bought it in July 2010.

Source: Pinellas County records, as of September 10, 2026

Owner of Record	Individual Name on File
Mailing Address	61 EMERALD BAY DR, OLDSMAR, FL 34677-5002
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2010 · Amount on File
Deed Sale	Jul 29, 2010 · Amount on File
Prior Sale	Dec 6, 2004 · Amount on File
Deed Document Number	2010212580
Deed Book / Page	16986 / 639
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	61 EMERALD BAY DR, OLDSMAR, FL 34677-5002
Document Number	0209111264
Instrument Date	Feb 29, 2020
Transaction Type	Mortgage
Record Updated	Mar 24, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	61 EMERALD BAY DR OLDSMAR FL 346775002, OLDSMAR, FL 34677-5002

Mortgage

Document Number	0209111264
Date	Mar 5, 2020
Book Page	020911/001264
Instrument	76681

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 4, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 61 Emerald Bay Dr was $563 with a homeowner's exemption.

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	$563.00 Homeowner's exemption	$69,930	$233,755 Building $233,755
2023	$530.00 (+1.53%) Homeowner's exemption	$65,980 (+3%)	$214,535 (+12.41%) Building $214,535
2022	$522.00 Homeowner's exemption	$64,058	$190,854 Building $190,854

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 61 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

Wildfire risk around 61 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.

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 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