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

Pinellas County property record for 877 Rustic Oaks Dr, Palm Harbor, FL 34684

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,928 sqft · built 1981
Lot Size	0.279 acres (12,192 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,793 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-758-5024-8`

Property Details

APN / Parcel Number

Primary APN	`C62-000-758-5024-8`
Alternative APNs	`05-28-16-77642-000-0890` `162805776420000890` `R44018`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,928 sqft Heated Area
1st Floor Area	1,928 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2001
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,192 sqft (0.279 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	204 sqft
Deck Area	300 sqft
Patio Area	300 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R44018
Old Parcel Number	162805776420000890
Street Address	877 RUSTIC OAKS DR
City	PALM HARBOR
State	FL
Zip	34684-3246
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUSTIC OAKS 1ST ADD LOT 89
Legal Range	16
Legal Township	28
Legal Section	05
Legal Subdivision	RUSTIC OAKS 1ST ADD
Legal Lot Number	89
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	1
Census Block	1002
Census Tract	27331

Owner

Source: Pinellas County records, as of December 26, 2025

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
Co-owner	Co-owner on Record
Mailing Address	877 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3246
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	877 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3246
Transaction Type	Mortgage
Record Updated	Mar 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	877 RUSTIC OAKS DR, PALM HARBOR, FL 34684-3246

Mortgage

Document Number	0214271675
Date	Mar 10, 2021
Book Page	21427/1675
Instrument	2021077873

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2031

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of July 1, 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	$2,793.00 (+8.09%) Homeowner's exemption	$187,082 (+5.99%)	$520,661 (+6.45%) Land $169,964 Building $350,697
2023	$2,584.00 (+3.4%) Homeowner's exemption	$176,515 (+3%)	$489,126 (+25.41%) Land $209,648 Building $279,478
2022	$2,499.00 Homeowner's exemption	$171,374	$390,014 Land $198,383 Building $191,631

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