1. Home
  2. Florida
  3. Pinellas County
  4. Oldsmar
  5. Emerald Bay Dr

74 Emerald Bay Dr, Oldsmar, FL 34677 Property Records

Pinellas County property record for 74 Emerald Bay Dr, Oldsmar, FL 34677

Property Summary

Property TypePlanned Unit Development
Details3 bd · 3 ba · 1,339 sqft · built 2004
Lot Size0.074 acres (3,218 sqft)
Owner2 Individual Names on Record
Last Sale$270,000 (Nov 2022)
Tax Bill$4,189 (2025)
Deeds & MortgagesNov 2022 Sale & Mortgage
Mar 2020 Sale
+ 2 more
Flood ZoneZone AE (high risk)
APNC62-000-759-5647-4

Property Details

APN / Parcel Number

Primary APNC62-000-759-5647-4
Alternative APNs
  • 15-28-16-25790-000-0740
  • 281615257900000740
  • 162815257900000740
  • R159876

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area1,339 sqft Living Area
1st Floor Area1,339 sqft

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2007
Exterior MaterialBrick/Stone
Construction TypeWood
Lot Area3,218 sqft (0.074 acres)
View / LotCorner
PorchSlab

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account NumberR159876
Street Address74 EMERALD BAY DR
CityOLDSMAR
StateFL
Zip34677-5002
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Planned Unit Development
Legal DescriptionEMERALD BAY LOT 74
Legal Range16E
Legal Township28S
Legal Section15
Legal SubdivisionEMERALD BAY
Legal Tract25790
Legal Lot Number74
JurisdictionPINELLAS FL
Township / Civil DivisionTARPON SPRINGS
Census Block Group4
Census Block4000
Census Tract27319

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address74 EMERALD BAY DR, OLDSMAR, FL 34677-5002
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 22, 2022Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Mar 4, 2020Grant Deed, Transfer
ATTORNEY ONLY
Oct 30, 2019Trustee's Deed, Foreclosure
ATTORNEY ONLY
Feb 23, 2018Loan Modification, Mortgage · Conventional with PMI
FEDERAL NAT'L MTG ASSN (FNMA)

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 22, 2022 · Amount on Record
Deed SaleNov 22, 2022 · Amount on Record
Prior SaleMar 4, 2020 · Amount on Record
Deed Document Number2022337725
Deed Book / Page22270 / 1225
Prior Transfer DateOct 29, 2019
Prior Transfer Doc0207521976
Record UpdatedOct 29, 2026

November 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateNov 22, 2022
Property Address74 EMERALD BAY DR, OLDSMAR, FL 34677-5002
Document Number0222701225
Book / Page22270 / 1225
Map ReferenceMB 105 PG 9&10
Instrument DateNov 18, 2022
Instrument2022337725
Transaction TypeTransfer
Record UpdatedDec 14, 2022
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,890.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address701 S HOWARD AVE # AVE106-14, AVE106-14, TAMPA, FL 33606-2473

Transferred To (Grantee/Buyer)

NameVerified Name
Address74 EMERALD BAY DR, OLDSMAR, FL 34677-5002

Mortgage

Document Number0222701228
DateNov 22, 2022
Instrument22270/1228
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2052

March 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionPINELLAS FL
Recording DateMar 4, 2020
Property Address74 EMERALD BAY DR, OLDSMAR, FL 34677-5002
Document Number0209090415
Book / Page020909 / 000415
Instrument DateFeb 21, 2020
Instrument74411
Transaction TypeTransfer
Record UpdatedMar 20, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$1,085.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address701 S HOWARD AVE #106-147 TAMPA FL 336062473, 106-14, TAMPA, FL 33606-2473

October 2019: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionPINELLAS FL
Recording DateOct 30, 2019
Property Address74 EMERALD BAY DR, OLDSMAR, FL 34677-5002
Document Number0207521976
Book / Page020752 / 001976
Instrument DateOct 15, 2019
Instrument350109
Transaction TypeForeclosure
Record UpdatedNov 12, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$910.70
Additional
  • Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipAssociation
Address499 NW 70TH AVE #309 PLANTATION FL 333177574, 309, PLANTATION, FL 33317-7574
InvestorPossibly a Property Investor

February 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPINELLAS FL
Property Address74 EMERALD BAY DR, OLDSMAR, FL 34677-5002
Document Number0201900112
Instrument DateFeb 23, 2018
Transaction TypeMortgage
Record UpdatedSep 13, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address74 EMERALD BAY DR OLDSMAR FL 346775002, OLDSMAR, FL 34677-5002

Mortgage

Document Number0201900112
DateAug 31, 2018
Book Page020190/000112
Instrument281038
Lender
NameFEDERAL NAT'L MTG ASSN (FNMA)
TypeMortgage Company
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term480 Months
DueAug 30, 2058
Interest
Rate4%

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyPinellas County
MunicipalityOldsmar City
Unified School DistrictPinellas County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,189.00 (+6.86%)$240,794 (+7.13%) Building $240,794$240,794 (+7.13%) Building $240,794
2023$3,920.00$224,774 (+13.53%)$224,774 (+13.53%) Building $224,774
2022Additional exemption filed$197,985$197,985 Building $197,985

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation11.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 195 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies195 in force
Nearby Flood Claims2 (2024)
Most Recent ClaimOct 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemOLDSMAR WATER SYSTEM
serves 14,898 people · EPA ID FL6521417
Water SourceGroundwater
Last State InspectionApr 2024
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting5
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

ProviderMax 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

Nearby Properties on Emerald Bay Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures