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

Pinellas County property record for 863 Rustic Oaks Dr, Palm Harbor, FL 34684

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,430 sqft · built 1981
Lot Size0.23 acres (10,001 sqft)
Owner2 Company Names on Record
Last Sale$500,000 (Oct 2023)
Tax Bill$8,358 (2025)
Deeds & MortgagesFeb 2023 Transfer
Nov 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNC62-000-758-5023-0

Property Details

APN / Parcel Number

Primary APNC62-000-758-5023-0
Alternative APNs
  • 05-28-16-77642-000-0880
  • 281605776420000880
  • 162805776420000880
  • R44017

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,430 sqft Living Area
Gross Area2,440 sqft
1st Floor Area1,430 sqft
FlooringCarpet
Interior WallsComposition
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1998
Architectural StyleCustom Design
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialOther
Lot Area10,001 sqft (0.23 acres)
Lot Dimensions125 ft deep x 80 ft wide
Garage TypeAttached
Garage Area506 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area240 sqft
Deck Area100 sqft
Patio Area100 sqft
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR44017
Street Address863 RUSTIC OAKS DR
CityPALM HARBOR
StateFL
Zip34684-3246
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2
Legal DescriptionRUSTIC OAKS 1ST ADD LOT 88
Legal Range16E
Legal Township28S
Legal Section5
Legal SubdivisionRUSTIC OAKS 1ST ADD
Legal Tract77642
Legal Lot Number88
JurisdictionPINELLAS FL
Township / Civil DivisionTARPON SPRINGS
Census Block Group1
Census Block1002
Census Tract27331

Owner

Source: Pinellas County records, as of September 14, 2026

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

Owner of Record2 Company Names on Record
Mailing Address863 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3246
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Feb 20, 2023Intrafamily Transfer, Transfer
ACCOMMODATION
Nov 16, 2021Quit Claim Deed, Transfer · VA Mortgage
HAMILTON HOME LOANS INC
Aug 3, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 2, 2023 · Amount on Record
Deed SaleOct 2, 2023 · Amount on Record
Prior SaleNov 16, 2021 · Amount on Record
Deed Document Number2023253085
Deed Book / Page22582 / 1916
Prior Transfer DateFeb 20, 2023
Prior Transfer Doc0223510472
Record UpdatedOct 29, 2026

February 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPINELLAS FL
Recording DateFeb 20, 2023
Property Address863 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3246
Document Number0223510472
Book / Page22351 / 472
Map ReferenceMB 82 PG 32
Instrument DateFeb 20, 2023
Instrument2023045138
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address863 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3246

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address863 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3246

November 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPINELLAS FL
Recording DateNov 16, 2021
Property Address863 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3246
Document Number0218080170
Book / Page21808 / 170
Map ReferenceMB 82 PG 32
Instrument DateNov 9, 2021
Instrument2021372871
Transaction TypeTransfer
Record UpdatedNov 30, 2021
Title CompanyTROPICAL TITLE INSURANCE LLC

Transaction

AmountAmount Recorded
Tax$686.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name
Address863 RUSTIC OAKS DR, 863, PALM HARBOR, FL 34684-3246

Transferred To (Grantee/Buyer)

NameVerified Name
Address863 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3246

Mortgage

Document Number21808171
DateNov 16, 2021
Instrument21808/171
Lender
NameHAMILTON HOME LOANS INC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2051

August 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPINELLAS FL
Recording DateAug 3, 2020
Property Address863 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3246
Document Number0211050670
Book / Page021105 / 000670
Instrument DateJul 16, 2020
Instrument229378
Transaction TypeTransfer
Record UpdatedAug 24, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address863 RUSTIC OAKS DR PALM HARBOR FL 346843246, PALM HARBOR, FL 34684-3246

Tax Assessment & Valuation

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$8,358.00 (+5.72%)$453,603 (+196.52%) Land $145,606 Building $307,997$453,603 (+7.72%) Land $145,606 Building $307,997
2024$7,906.00 (+265.85%)
2023$2,161.00 (+3.6%) Homeowner's exemption$152,975 (+3%)$421,101 (+21.62%) Land $177,287 Building $243,814
2022$2,086.00 Homeowner's exemption$148,519$346,252 Land $168,996 Building $177,256

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.

Flood

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 Record
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

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

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