1. Home
  2. Florida
  3. Pinellas County
  4. Palm Harbor
  5. Rustic Oaks Dr

849 Rustic Oaks Dr, Palm Harbor, FL 34684 Property Records

Pinellas County property record for 849 Rustic Oaks Dr, Palm Harbor, FL 34684

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,475 sqft · built 1981
Lot Size0.23 acres (10,001 sqft)
Owner2 Individual Names on File
Last Sale$220,000 (Jun 2017)
Tax Bill$4,038 (2025)
Deeds & MortgagesJun 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNC62-000-758-5022-2

Property Details

APN / Parcel Number

Primary APNC62-000-758-5022-2
Alternative APNs
  • 05-28-16-77642-000-0870
  • 281605776420000870
  • 162805776420000870
  • R44016

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,475 sqft Living Area
Gross Area2,276 sqft
1st Floor Area1,475 sqft
FlooringCarpet
Interior WallsComposition

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1998
Architectural StyleCustom Design
Exterior MaterialBrick
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialOther
Lot Area10,001 sqft (0.23 acres)
Lot Dimensions125 ft deep x 80 ft wide
Garage TypeAttached
Garage Area528 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area273 sqft
Deck Area120 sqft
Patio Area120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR44016
Street Address849 RUSTIC OAKS DR
CityPALM HARBOR
StateFL
Zip34684-3246
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2
Legal DescriptionRUSTIC OAKS 1ST ADD LOT 87
Legal Range16E
Legal Township28S
Legal Section5
Legal SubdivisionRUSTIC OAKS 1ST ADD
Legal Tract77642
Legal Lot Number87
JurisdictionPINELLAS FL
Township / Civil DivisionTARPON SPRINGS
Census Block Group1
Census Block1002
Census Tract27331

Owner

849 Rustic Oaks Dr is owned and occupied by two individuals who bought it in June 2017.

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

Owner of Record2 Individual Names on File
Mailing Address849 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3246
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 5, 2017 · Amount on File
Deed SaleJun 5, 2017 · Amount on File
Prior SaleJul 20, 2012 · Amount on File
Deed Document Number2017172841
Deed Book / Page19653 / 1765
Prior Transfer DateAug 29, 2007
Prior Transfer Doc0159650779
Record UpdatedOct 29, 2026

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateJun 5, 2017
Property Address849 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3246
Document Number0196531765
Book / Page19653 / 1765
Map ReferenceMB82 PG32
Instrument DateMay 31, 2017
Instrument2017172841
Transaction TypeTransfer
Record UpdatedFeb 1, 2022
Title CompanyBANKERS TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,540.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address849 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3246

Mortgage

Document Number2017172842
DateJun 5, 2017
Instrument2017172842
Lender
NameWELLS FARGO BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 849 Rustic Oaks Dr was $4,038 with a homeowner's exemption, up 5.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,038.00 (+5.82%) Homeowner's exemption$256,045$416,241 Land $146,157 Building $270,084
2024$3,816.00 (+1.65%)
2023$3,754.00 (+3.08%) Homeowner's exemption$241,582 (+3%)$378,591 (+19.23%) Land $179,331 Building $199,260
2022$3,642.00 Homeowner's exemption$234,546$317,525 Land $170,428 Building $147,097

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 849 Rustic Oaks Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 28 policies
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies28 in force
Nearby Flood Claims2 (2024)
Claims Outside the SFHA2 of 2
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

The area around 849 Rustic Oaks Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot rated
no burnable land within 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 SystemPINELLAS COUNTY UTILITIES
serves 506,353 people · EPA ID FL6521405
Water SourcePurchased surface water from several systems
Last State InspectionMar 2023
LeadUnder 1 ppb (2020)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting17
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 242 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 Rustic Oaks Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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