610 Timber Bay Cir E, Oldsmar, FL 34677 Property Records

Pinellas County property record for 610 Timber Bay Cir E, Oldsmar, FL 34677

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 924 sqft · built 1982
Lot Size	0.156 acres (6,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$258,000 (Jul 2026)
Tax Bill	$3,369 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jul 2026 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`C62-000-760-8787-3`

Property Details

APN / Parcel Number

Primary APN	`C62-000-760-8787-3`
Alternative APNs	`25-28-16-81850-004-0120` `281625818500040120` `162825818500040120` `R268637`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	924 sqft Living Area
Gross Area	1,232 sqft
1st Floor Area	924 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1983
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,800 sqft (0.156 acres)
Lot Dimensions	100 ft deep x 68 ft wide
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R268637
Street Address	610 TIMBER BAY CIR E
City	OLDSMAR
State	FL
Zip	34677-4324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHOREVIEW PHASE I BLK 4, LOT 12
Legal Range	16E
Legal Township	28S
Legal Section	25
Legal Subdivision	SHOREVIEW PHASE I
Legal Phase	1
Legal Tract	81850
Legal Block	4
Legal Lot Number	12
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	2
Census Block	2021
Census Tract	27320

Owner

Source: Pinellas County records, as of September 10, 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 Record
Mailing Address	610 TIMBER BAY CIR E, OLDSMAR, FL 34677-4324
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE
Jul 28, 2026	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE
Aug 2, 2021	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Dec 30, 2020	Warranty Deed, Transfer MELLINGER TITLE SERVICES LLC, MELLINGER TITLE SVCS LLC
Dec 30, 2020	Correction Deed ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2026 · Amount on Record
Deed Sale	Jul 29, 2026 · Amount on Record
Prior Sale	Aug 2, 2021 · Amount on Record
Deed Document Number	202647
Deed Book / Page	23643 / 1627
Prior Transfer Date	Feb 25, 2010
Prior Transfer Doc	0168400737
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jul 29, 2026
Property Address	610 TIMBER BAY CIR E, OLDSMAR, FL 34677-4324
Document Number	0000000047
Book / Page	23643 / 1627
Instrument Date	Jul 23, 2026
Instrument	202647
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	ATLANTIC TITLE SETTLEMENT, ATLANTIC TITLE SETTLEMENT SER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$182,406.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 TIMBER BAY CIR E, OLDSMAR, FL 34677-4324

Mortgage

Document Number	0000000048,
Date	Jul 29, 2026
Book Page	23643/1630
Instrument	202648

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Recording Date	Jul 28, 2026
Property Address	610 TIMBER BAY CIR E, OLDSMAR, FL 34677-4324
Document Number	0000201018
Book / Page	23641 / 2298
Instrument Date	Jul 23, 2026
Instrument	2026201018
Transaction Type	Mortgage
Record Updated	Aug 10, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 TIMBER BAY CIR E, OLDSMAR, FL 34677-4324

Mortgage

Document Number	0000201018,
Date	Jul 28, 2026
Book Page	23641/2298
Instrument	2026201018

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Aug 2, 2021
Property Address	610 TIMBER BAY CIR E, OLDSMAR, FL 34677-4324
Document Number	0216531437
Book / Page	21653 / 1437
Map Reference	MB 84 PG 51&52
Instrument Date	Jul 26, 2021
Instrument	2021252762
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	GIANNELL TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,788.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3219 E CAMELBACK RD # RD801, 3219, PHOENIX, AZ 85018-2307

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 TIMBER BAY CIR E, OLDSMAR, FL 34677-4324

Mortgage

Document Number	216531439
Date	Aug 2, 2021
Instrument	21653/1439

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Dec 30, 2020
Property Address	610 TIMBER BAY CIR E, OLDSMAR, FL 34677-4324
Document Number	0213211051
Book / Page	021321 / 001051
Instrument Date	Dec 16, 2020
Instrument	391893
Transaction Type	Transfer
Record Updated	Jan 14, 2021
Title Company	MELLINGER TITLE SERVICES LLC, MELLINGER TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$945.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4500 N 32ND ST #201B PHOENIX AZ 850183397, 201B, PHOENIX, AZ 85018-3397
Investor	Possibly a Property Investor

December 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	PINELLAS FL
Recording Date	Dec 30, 2020
Property Address	610 TIMBER BAY CIR E, OLDSMAR, FL 34677-4324
Document Number	0213211049
Book / Page	021321 / 001049
Instrument Date	Nov 2, 2020
Instrument	391892
Record Updated	Jan 14, 2021
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10230 86TH ST OZONE PARK NY 114162144, OZONE PARK, NY 11416-2144

Tax Assessment & Valuation

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	$3,369.00 (+3.82%)	$233,862 (+2.77%) Land $100,248 Building $133,614	$233,862 (-15.1%) Land $100,248 Building $133,614
2023	$3,245.00 (+3.02%) Homeowner's exemption	$227,553 (+3%)	$275,471 (+24.69%) Land $168,193 Building $107,278
2022	$3,150.00 Homeowner's exemption	$220,925	$220,925 Land $131,251 Building $89,674

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 615 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	615 in force
Nearby Flood Claims	473 (1979–2024)
Claims Outside the SFHA	9 of 473
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Helene, Oct 2024 · 239 claims Hurricane Frances, Oct 2004 · 26 claims Hurricane Elena, Sep 1985 · 107 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	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.2% 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	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 224 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	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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