10280 97th St, Largo, FL 33773 Property Records

Pinellas County property record for 10280 97th St, Largo, FL 33773

Property Summary

Property Type	Planned Unit Development
Details	1,675 sqft · built 1981
Lot Size	0.082 acres (3,591 sqft)
Owner	2 Individual Names on Record
Last Sale	$388,000 (Apr 2025)
Tax Bill	$6,040 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Nov 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-750-3740-8`

Property Details

APN / Parcel Number

Primary APN	`C62-000-750-3740-8`
Alternative APNs	`14-30-15-48430-000-0640` `301514484300000640` `153014484300000640` `R152146`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,675 sqft Living Area
1st Floor Area	1,675 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1989
Exterior Material	Brick/Stone
Construction Type	Wood
Lot Area	3,591 sqft (0.082 acres)
View / Lot	Interior
Garage Type	Attached
Parking Spaces	1 Parking Space
Porch	Patio

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	R152146
Street Address	10280 97TH ST
City	LARGO
State	FL
Zip	33773-4528
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	RPD10
Legal Description	LAKE SEMINOLE VILLAGE STAGE 1 LOT 64
Legal Range	15E
Legal Township	30S
Legal Section	14
Legal Subdivision	LAKE SEMINOLE VILLAGE
Legal Tract	48430
Legal Lot Number	64
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	3
Census Block	3003
Census Tract	25011

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	120 BAYVIEW DR, BRICK, NJ 08723-7455
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2022	Deed of Trust, Mortgage THIRD FSLA OF CLEVELAND
Nov 5, 2021	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Jun 11, 2020	Deed of Trust, Mortgage · Conventional with PMI THIRD FED'L S&L ASSN/CLEVELAND
Mar 9, 2018	Loan Modification, Mortgage · Conventional Mortgage THIRD FED'L S&L/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2025 · Amount on Record
Deed Sale	Apr 17, 2025 · Amount on Record
Prior Sale	May 1, 2002 · Amount on Record
Deed Document Number	2025114819
Deed Book / Page	23133 / 1614
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10280 97TH ST, LARGO, FL 33773-4528
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10280 97TH ST, LARGO, FL 33773-4528

Mortgage

Document Number	0221462209
Date	Jul 26, 2022
Book Page	22146/2209
Instrument	2022229297

Lender

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

Agreement

Amount	Amount Recorded
Term	13 Months
Due	Aug 1, 2023

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10280 97TH ST, LARGO, FL 33773-4528
Transaction Type	Mortgage
Record Updated	Nov 18, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0217940253
Date	Nov 5, 2021
Book Page	21794/253
Instrument	2021361960

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 21, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10280 97TH ST, LARGO, FL 33773-4528
Document Number	0210422636
Instrument Date	Jun 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	10280 97TH ST LARGO FL 337734528, LARGO, FL 33773-4528

Mortgage

Document Number	0210422636
Date	Jun 17, 2020
Book Page	021042/002636
Instrument	182544

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 16, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.84%

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PINELLAS FL
Property Address	10280 97TH ST, LARGO, FL 33773-4528
Document Number	0199882628
Instrument Date	Mar 9, 2018
Transaction Type	Mortgage
Record Updated	Apr 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10280 97TH ST LARGO FL 337734528, LARGO, FL 33773-4528

Mortgage

Document Number	0199882628
Date	Mar 27, 2018
Book Page	019988/002628
Instrument	93340

Lender

Name	THIRD FED'L S&L/CLEVELAND
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 26, 2038

Interest

Rate Type	Fixed Rate
Rate	5.75%

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	$6,040.00 (+4.75%)	$325,197 (+1.56%) Building $325,197	$325,197 (+1.56%) Building $325,197
2023	$5,766.00 (+368.78%)	$320,205 (+210.98%)	$320,205 (+19.36%) Building $320,205
2022	$1,230.00 Homeowner's exemption	$102,966	$268,259 Building $268,259

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 231 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	231 in force
Nearby Flood Claims	30 (1979–2024)
Claims Outside the SFHA	8 of 30
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 5 claims Severe Storms, High Winds, Tornadoes, And Flooding, Dec 1997 · 3 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 339 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, T-Mobile, Verizon.

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