8 Emerald Bay Dr, Oldsmar, FL 34677 Property Records

Pinellas County property record for 8 Emerald Bay Dr, Oldsmar, FL 34677

Property Summary

Property Type	Planned Unit Development
Details	2 bd · 3 ba · 1,235 sqft · built 1990
Lot Size	0.045 acres (1,977 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Sep 2020)
Tax Bill	$2,265 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`C62-000-759-5581-5`

Property Details

APN / Parcel Number

Primary APN	`C62-000-759-5581-5`
Alternative APNs	`15-28-16-25790-000-0080` `281615257900000080` `162815257900000080` `R159810`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,235 sqft Living Area
1st Floor Area	1,235 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1996
Exterior Material	Brick/Stone
Construction Type	Wood
Lot Area	1,977 sqft (0.045 acres)
View / Lot	Corner
Garage Type	Carport
Carport	Carport
Porch	Patio
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	R159810
Street Address	8 EMERALD BAY DR
City	OLDSMAR
State	FL
Zip	34677-5000
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Legal Description	EMERALD BAY LOT 8
Legal Range	16E
Legal Township	28S
Legal Section	15
Legal Subdivision	EMERALD BAY
Legal Tract	25790
Legal Lot Number	8
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	4
Census Block	4004
Census Tract	27319

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 Record	Individual Name on Record
Mailing Address	8 EMERALD BAY DR, OLDSMAR, FL 34677-5000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2020 · Amount on Record
Deed Sale	Sep 4, 2020 · Amount on Record
Deed Document Number	2020266272
Deed Book / Page	21154 / 859
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 4, 2020
Property Address	8 EMERALD BAY DR, OLDSMAR, FL 34677-5000
Document Number	0211540859
Book / Page	21154 / 859
Map Reference	MB 105 PG 9
Instrument Date	Sep 1, 2020
Instrument	2020266272
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21406 WILLOW PASS, 21406, SHOREWOOD, IL 60404-8239

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 EMERALD BAY DR, OLDSMAR, FL 34677-5000

Mortgage

Document Number	0021154861
Date	Sep 4, 2020
Instrument	21154/861

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

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	$2,265.00 (+8.53%) Homeowner's exemption	$170,829 (+5.99%)	$233,426 (+9.1%) Building $233,426
2023	$2,087.00 (+3.42%) Homeowner's exemption	$161,180 (+3%)	$213,959 (+12.3%) Building $213,959
2022	$2,018.00 Homeowner's exemption	$156,485	$190,524 Building $190,524

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	11.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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