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

Pinellas County property record for 640 Timber Bay Cir E, Oldsmar, FL 34677

Property Summary

Property Type	Single Family Home
Details	2 ba · 924 sqft · built 1984
Lot Size	0.158 acres (6,909 sqft)
Owner	Individual Name on Record
Last Sale	$143,500 (Jan 2008)
Tax Bill	$546 (2025)
Deeds & Mortgages	Apr 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`C62-000-760-8887-1`

Property Details

APN / Parcel Number

Primary APN	`C62-000-760-8887-1`
Alternative APNs	`25-28-16-81851-008-0220` `162825818510080220` `R268737`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	924 sqft Heated Area
1st Floor Area	924 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1993
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,909 sqft (0.158 acres)
Lot Dimensions	100 ft deep x 73 ft wide
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Deck Area	200 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R268737
Old Parcel Number	162825818510080220
Street Address	640 TIMBER BAY CIR E
City	OLDSMAR
State	FL
Zip	34677-4310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHOREVIEW PHASE 2 BLK 8, LOT 22
Legal Range	16
Legal Township	28
Legal Section	25
Legal Subdivision	SHOREVIEW PHASE 2
Legal Phase	2
Legal Block	8
Legal Lot Number	22
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	2
Census Block	2018
Census Tract	27320

Owner

Source: Pinellas County records, as of December 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	640 TIMBER BAY CIR E, OLDSMAR, FL 34677-4310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2008 · Amount on Record
Deed Sale	Jan 7, 2008 · Amount on Record
Prior Sale	Mar 5, 2004 · Amount on Record
Deed Document Number	2008005921
Deed Book / Page	16109 / 068
Record Updated	Jun 8, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	640 TIMBER BAY CIR E, OLDSMAR, FL 34677-4310
Document Number	0205251772
Instrument Date	Apr 27, 2019
Transaction Type	Mortgage
Record Updated	May 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	640 TIMBER BAY CIR E OLDSMAR FL 346774310, OLDSMAR, FL 34677-4310

Mortgage

Document Number	0205251772
Date	May 3, 2019
Book Page	020525/001772
Instrument	140185

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 2, 2029

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of July 1, 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	$546.00 (+5.81%) Homeowner's exemption	$67,299 (+5.99%)	$228,807 (-5.86%) Land $106,120 Building $122,687
2023	$516.00 (+1.57%) Homeowner's exemption	$63,497 (+3%)	$243,038 (+25.26%) Land $172,261 Building $70,777
2022	$508.00 Homeowner's exemption	$61,648	$194,024 Land $140,412 Building $53,612

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

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 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% 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 137 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