960 Gilford St, Oldsmar, FL 34677 Property Records

Pinellas County property record for 960 Gilford St, Oldsmar, FL 34677

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,150 sqft · built 1994
Lot Size	1.03 acres (44,997 sqft)
Owner	2 Individual Names on File
Last Sale	$449,900 (Jan 2021)
Tax Bill	$8,213 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`C62-000-760-8477-1`

Property Details

APN / Parcel Number

Primary APN	`C62-000-760-8477-1`
Alternative APNs	`25-28-16-18432-040-0260` `281625184320400260` `162825184320400260` `R268388`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	3 Stories
Building Area	2,150 sqft Living Area
Gross Area	4,531 sqft
1st Floor Area	1,466 sqft
Upper Floors Area	684 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	44,997 sqft (1.03 acres)
Lot Dimensions	210 ft deep x 211 ft wide
Garage Type	Attached
Garage Area	1,444 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	937 sqft
Deck Area	320 sqft
Patio Area	320 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R268388
Street Address	960 GILFORD ST
City	OLDSMAR
State	FL
Zip	34677-4701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY CLUB ADD TO OLDSMAR REVISED BLK 40, LOT 26 & ELY 65 FT OF LOT 27 & LOT 25 LESS ELY 68.55FT THEREOF (SEE N25-28-16)
Legal Range	16E
Legal Township	28S
Legal Section	25
Legal Subdivision	COUNTRY CLUB ADD
Legal Tract	18432
Legal Block	40
Legal Lot Number	26
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	2
Census Block	2027
Census Tract	27320

Owner

960 Gilford St is owned and occupied by two individuals who bought it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	960 GILFORD ST, OLDSMAR, FL 34677-4701
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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 Names	2 Names on Deed
Last Sale	Jan 29, 2021 · Amount on File
Deed Sale	Jan 29, 2021 · Amount on File
Deed Document Number	202130517
Deed Book / Page	21365 / 1298
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jan 29, 2021
Property Address	960 GILFORD ST, OLDSMAR, FL 34677-4701
Document Number	0213651298
Book / Page	21365 / 1298
Map Reference	MB 7 PG 42
Instrument Date	Jan 27, 2021
Instrument	2021030517
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	TITLE AGENCY OF FLORIDA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,149.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	960 GILFORD ST, OLDSMAR, FL 34677-4701

Mortgage

Document Number	0213651300
Date	Jan 29, 2021
Instrument	21365/1300

Lender

Name	ALLY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 960 Gilford St was $8,213 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,213.00 Homeowner's exemption	$510,362	$746,221 Land $132,825 Building $613,396
2023	$6,652.00 (+2.67%) Homeowner's exemption	$422,908 (+3%)	$535,477 (+30.42%) Land $114,068 Building $421,409
2022	$6,479.00 Homeowner's exemption	$410,590	$410,590 Land $93,562 Building $317,028

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

Flood

FEMA maps place 960 Gilford St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 615 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	615 in force
Nearby Flood Claims	473 (1979–2024)
Claims Outside the SFHA	9 of 473
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Helene, Oct 2024 · 239 claims Hurricane Frances, Oct 2004 · 26 claims Hurricane Elena, Sep 1985 · 107 claims

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

Wildfire risk around 960 Gilford St is high, ranking above 76% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 76% of the US · above 63% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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	OLDSMAR WATER SYSTEM serves 14,898 people · EPA ID FL6521417
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 67 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20