Pinellas County property record for 648 Timber Bay Cir E, Oldsmar, FL 34677
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,232 sqft · built 1985 |
| Lot Size | 0.288 acres (12,524 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $248,000 (Sep 2019) |
| Tax Bill | $4,777 (2025) |
| Deeds & Mortgages | Sep 2019 Sale & Mortgage Sep 2018 Loan Modification |
| Flood Zone | Zone AE (high risk) |
| APN | C62-000-760-8891-3 |
| Primary APN | C62-000-760-8891-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| Gross Area | 1,424 sqft |
| 1st Floor Area | 1,232 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Custom Design |
| Exterior Material | Frame/Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 12,524 sqft (0.288 acres) |
| Lot Dimensions | 100 ft deep x 66 ft wide |
| View / Lot | Pond |
| Garage Area | 308 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Patio |
| Porch Area | 192 sqft |
| Deck Area | 100 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R268741 |
|---|---|
| Street Address | 648 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 26 & 26A |
| Legal Range | 16E |
| Legal Township | 28S |
| Legal Section | 25 |
| Legal Subdivision | SHOREVIEW PHASE 2 |
| Legal Phase | 2 |
| Legal Tract | 81851 |
| Legal Block | 8 |
| Legal Lot Number | 26 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 27320 |
Source: Pinellas County records, as of October 13, 2026
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 |
|---|---|
| Mailing Address | 208 CORNELL ST, ITHACA, NY 14850-4830 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 12, 2019 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Sep 18, 2018 | Loan Modification, Mortgage · Conventional with PMI USAA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 2019 · Amount on Record |
| Deed Sale | Sep 12, 2019 · Amount on Record |
| Prior Sale | Jun 1, 2016 · Amount on Record |
| Deed Document Number | 2019293223 |
| Deed Book / Page | 20690 / 391 |
| Prior Transfer Date | Oct 21, 2005 |
| Prior Transfer Doc | 0147421529 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Sep 12, 2019 |
| Property Address | 648 TIMBER BAY CIR E, OLDSMAR, FL 34677-4310 |
| Document Number | 0206900391 |
| Book / Page | 20690 / 0391 |
| Map Reference | MB 88 PG 52 |
| Instrument Date | Sep 12, 2019 |
| Instrument | 2019293223 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | GREEN LINE TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,736.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 648 TIMBER BAY CIR E, 648, OLDSMAR, FL 34677-4310 |
| Name | Verified Name |
|---|---|
| Address | 648 TIMBER BAY CIR E, OLDSMAR, FL 34677-4310 |
| Document Number | 0206900393 |
|---|---|
| Date | Sep 12, 2019 |
| Instrument | 20690/0393 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 648 TIMBER BAY CIR E, OLDSMAR, FL 34677-4310 |
| Document Number | 0202960875 |
| Instrument Date | Sep 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2018 |
| Title Company | CORELOGIC-SOLUTIONS EXPRESS |
| Name | Verified Name |
|---|---|
| Address | 648 TIMBER BAY CIR E OLDSMAR FL 346774310, OLDSMAR, FL 34677-4310 |
| Document Number | 0202960875 |
|---|---|
| Date | Oct 12, 2018 |
| Book Page | 020296/000875 |
| Instrument | 328887 |
| Name | USAA |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 11, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
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 | $4,777.00 (-0.08%) | $272,721 (-9.26%) Land $101,064 Building $171,657 | $272,721 (-9.26%) Land $101,064 Building $171,657 |
| 2024 | $4,781.00 (+2.71%) | ||
| 2023 | $4,655.00 (+11.79%) | $300,538 (+16.84%) | $300,538 (+16.84%) Land $167,911 Building $132,627 |
| 2022 | $4,164.00 | $257,222 | $257,222 Land $161,875 Building $95,347 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 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 |
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