Pinellas County property record for 808 Rustic Oaks Dr, Palm Harbor, FL 34684
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,429 sqft · built 1983 |
| Lot Size | 0.257 acres (11,204 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $585,000 (Feb 2026) |
| Tax Bill | $8,021 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Feb 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-758-5041-2 |
| Primary APN | C62-000-758-5041-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,429 sqft Living Area |
| Gross Area | 2,155 sqft |
| 1st Floor Area | 1,429 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Custom Design |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 11,204 sqft (0.257 acres) |
| Lot Dimensions | 125 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
|---|---|
| Porch Area | 242 sqft |
| Deck Area | 250 sqft |
| Patio Area | 250 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R44035 |
|---|---|
| Street Address | 808 RUSTIC OAKS DR |
| City | PALM HARBOR |
| State | FL |
| Zip | 34684-3245 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | RUSTIC OAKS 1ST ADD LOT 106 |
| Legal Range | 16E |
| Legal Township | 28S |
| Legal Section | 5 |
| Legal Subdivision | RUSTIC OAKS 1ST ADD |
| Legal Tract | 77642 |
| Legal Lot Number | 106 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | TARPON SPRINGS |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 27331 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 166 LABRADOR DR, ROCHESTER, NY 14616-1662 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Aug 2, 2022 | Deed of Trust, Mortgage · Line of Credit BAYFIRST NATIONAL BANK |
| Feb 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL RESOURCES INC |
| Jun 14, 2019 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Jul 29, 2021 | Warranty Deed, Transfer PLATINUM NATIONAL TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 26, 2026 · Amount on Record |
| Deed Sale | Feb 26, 2026 · Amount on Record |
| Prior Sale | Jul 29, 2021 · Amount on Record |
| Deed Document Number | 202652357 |
| Deed Book / Page | 23467 / 205 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 808 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3245 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2026 |
| Name | Verified Name |
|---|---|
| Address | 808 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3245 |
| Document Number | 0221540482 |
|---|---|
| Date | Aug 2, 2022 |
| Book Page | 22154/482 |
| Instrument | 2022235729 |
| Name | BAYFIRST NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SAINT PETERSBURG, FL 33701 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Feb 26, 2026 |
| Property Address | 808 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3245 |
| Document Number | 0234670205 |
| Book / Page | 23467 / 205 |
| Map Reference | MB 82 PG 32 |
| Instrument Date | Feb 13, 2026 |
| Instrument | 2026052357 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2026 |
| Title Company | PLATINUM NATIONAL TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,095.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 601 BETMOR LN, PALM HARBOR, FL 34683-5248 |
| Name | Verified Name |
|---|---|
| Address | 166 LABRADOR DR, ROCHESTER, NY 14616-1662 |
| Document Number | 0023467207 |
|---|---|
| Date | Feb 26, 2026 |
| Instrument | 23467/207 |
| Name | AMERICAN FINANCIAL RESOURCES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 808 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3245 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0205770957 |
|---|---|
| Date | Jun 14, 2019 |
| Book Page | 20577/0957 |
| Instrument | 2019188750 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 30, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Jul 29, 2021 |
| Property Address | 808 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3245 |
| Document Number | 0216490266 |
| Book / Page | 21649 / 266 |
| Map Reference | MB 5108 PG 1312 |
| Instrument Date | Jul 27, 2021 |
| Instrument | 2021249089 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2024 |
| Title Company | PLATINUM NATIONAL TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $840.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2960 TAMPA RD APT 226, 226, PALM HARBOR, FL 34684-3344 |
| Name | Verified Name |
|---|---|
| Address | 808 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3245 |
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,021.00 (+327.56%) | $434,944 (+222.46%) Land $160,452 Building $274,492 | $434,944 (+5.94%) Land $160,452 Building $274,492 |
| 2024 | $1,876.00 (+2.23%) | ||
| 2023 | $1,835.00 (+3.79%) Homeowner's exemption | $134,882 (+3%) | $410,566 (+21.72%) Land $195,112 Building $215,454 |
| 2022 | $1,768.00 Homeowner's exemption | $130,953 | $337,317 Land $185,067 Building $152,250 |
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.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 28 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 28 in force |
| Nearby Flood Claims | 2 (2024) |
| Claims Outside the SFHA | 2 of 2 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PINELLAS COUNTY UTILITIES serves 506,353 people · EPA ID FL6521405 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2023 |
| Lead | Under 1 ppb (2020) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 17 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.
Source: FCC Broadband Data Collection, based on 242 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 |
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