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

Pinellas County property record for 850 Rustic Oaks Dr, Palm Harbor, FL 34684

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,492 sqft · built 1981
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Nov 2016)
Tax Bill	$5,439 (2025)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-758-5044-6`

Property Details

APN / Parcel Number

Primary APN	`C62-000-758-5044-6`
Alternative APNs	`05-28-16-77642-000-1090` `281605776420001090` `162805776420001090` `R44038`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,492 sqft Living Area
Gross Area	2,172 sqft
1st Floor Area	1,492 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1999
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	500 sqft
Deck Area	400 sqft
Patio Area	400 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R44038
Street Address	850 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 109
Legal Range	16E
Legal Township	28S
Legal Section	5
Legal Subdivision	RUSTIC OAKS 1ST ADD
Legal Tract	77642
Legal Lot Number	109
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1000
Census Tract	27331

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	2 Individual Names on Record
Mailing Address	850 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2016 · Amount on Record
Deed Sale	Nov 18, 2016 · Amount on Record
Prior Sale	Dec 3, 2012 · Amount on Record
Deed Document Number	2016352012
Deed Book / Page	19417 / 2257
Prior Transfer Date	Nov 26, 2012
Prior Transfer Doc	0178040917
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	850 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3245
Document Number	0210090065
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	850 RUSTIC OAKS DR PALM HARBOR FL 346843245, PALM HARBOR, FL 34684-3245

Mortgage

Document Number	0210090065
Date	May 21, 2020
Book Page	021009/000065
Instrument	157212

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 20, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,439.00 (+5.67%) Homeowner's exemption	$333,645 (+5.99%)	$463,269 (+5.33%) Land $142,631 Building $320,638
2024	$5,147.00 (+1.52%)
2023	$5,070.00 (+2.88%) Homeowner's exemption	$314,798 (+3%)	$439,837 (+19.98%) Land $173,708 Building $266,129
2022	$4,928.00 Homeowner's exemption	$305,629	$366,587 Land $165,983 Building $200,604

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 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.

Wildfire

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

Wildfire Risk	Not 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 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

Violations Reported to EPA

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.

Internet Providers

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