103 Emerald Ln, Largo, FL 33771 Property Records

Pinellas County property record for 103 Emerald Ln, Largo, FL 33771

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,017 sqft · built 1955
Lot Size	0.15 acres (6,538 sqft)
Owner	Individual Name on Record
Last Sale	$164,900 (Aug 2018)
Tax Bill	$4,425 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Nov 2023 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-748-5583-4`

Property Details

APN / Parcel Number

Primary APN	`C62-000-748-5583-4`
Alternative APNs	`36-29-15-94104-003-0020` `291536941040030020` `152936941040030020` `R395409`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,017 sqft Living Area
Gross Area	1,731 sqft
1st Floor Area	1,017 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1999
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,538 sqft (0.15 acres)
Lot Dimensions	109 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	319 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	107 sqft
Deck Area	420 sqft
Patio Area	420 sqft
Shed	1 Shed
Shed Area	81 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R395409
Street Address	103 EMERALD LN
City	LARGO
State	FL
Zip	33771-2624
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	VILLAGE GREEN SUB BLK 3, LOT 2
Legal Range	15E
Legal Township	29S
Legal Section	36
Legal Subdivision	VILLAGE GREEN SUB
Legal Tract	94104
Legal Block	3
Legal Lot Number	2
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1027
Census Tract	25416

Owner

Source: Pinellas County records, as of October 22, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	103 EMERALD LN, LARGO, FL 33771-2624
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Nov 16, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Oct 13, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Oct 27, 2021	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Aug 14, 2018	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC
Dec 28, 2017	Warranty Deed, Transfer BROKERS TITLE/TAMPA LLC
Dec 28, 2017	Warranty Deed, Transfer BROKERS TITLE/TAMPA LLC
May 18, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2018 · Amount on Record
Deed Sale	Aug 14, 2018 · Amount on Record
Prior Sale	Dec 28, 2017 · Amount on Record
Deed Document Number	2018260062
Deed Book / Page	20167 / 736
Prior Transfer Date	Apr 26, 2017
Prior Transfer Doc	0196332592
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Recording Date	Oct 1, 2026
Property Address	103 EMERALD LN, LARGO, FL 33771-2624
Document Number	0000261852
Book / Page	23710 / 2378
Instrument Date	Jul 10, 2026
Instrument	2026261852
Transaction Type	Mortgage
Record Updated	Oct 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 EMERALD LN, LARGO, FL 33771-2624

Mortgage

Document Number	0000261852,
Date	Oct 1, 2026
Book Page	23710/2378
Instrument	2026261852

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	477 Months
Due	Jul 1, 2066

Interest

Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	103 EMERALD LN, LARGO, FL 33771-2624
Transaction Type	Mortgage
Record Updated	Dec 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 EMERALD LN, LARGO, FL 33771-2624

Mortgage

Document Number	0226251091
Date	Nov 16, 2023
Book Page	22625/1091
Instrument	2023293648

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	298 Months
Due	Sep 1, 2048

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	103 EMERALD LN, LARGO, FL 33771-2624
Transaction Type	Mortgage
Record Updated	Oct 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 EMERALD LN, LARGO, FL 33771-2624

Mortgage

Document Number	0225932503
Date	Oct 13, 2023
Book Page	22593/2503
Instrument	2023263429

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Sep 1, 2048

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	103 EMERALD LN, LARGO, FL 33771-2624
Transaction Type	Mortgage
Record Updated	Nov 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 EMERALD LN, LARGO, FL 33771-2624

Mortgage

Document Number	0217801850
Date	Oct 27, 2021
Book Page	21780/1850
Instrument	2021351622

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	323 Months
Due	Sep 1, 2048

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Aug 14, 2018
Property Address	103 EMERALD LN, LARGO, FL 33771-2624
Document Number	0201670736
Book / Page	20167 / 0736
Map Reference	MB 33 PG 61&62
Instrument Date	Aug 10, 2018
Instrument	2018260062
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	HOMESTEAD TITLE OF PINELLAS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,154.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10517 LAKE WILLIAMS DR, 10517, ODESSA, FL 33556-2615

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 EMERALD LN, LARGO, FL 33771-2624

Mortgage

Document Number	2018260063
Date	Aug 14, 2018
Instrument	2018260063

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Dec 28, 2017
Property Address	103 EMERALD LN, LARGO, FL 33771-2624
Document Number	0198920386
Book / Page	019892 / 000386
Instrument Date	Dec 27, 2017
Instrument	394721
Transaction Type	Transfer
Record Updated	Jan 18, 2018
Title Company	BROKERS TITLE/TAMPA LLC

Transaction

Amount	Amount Recorded
Tax	$609.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10517 LAKE WILLIAMS DR ODESSA FL 335562615, ODESSA, FL 33556-2615

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Dec 28, 2017
Property Address	103 EMERALD LN, LARGO, FL 33771-2624
Document Number	0198912613
Book / Page	019891 / 002613
Instrument Date	Dec 21, 2017
Instrument	394629
Transaction Type	Transfer
Record Updated	Jan 16, 2018
Title Company	BROKERS TITLE/TAMPA LLC

Transaction

Amount	Amount Recorded
Tax	$525.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5601 MARINER ST #104 TAMPA FL 336093450, 104, TAMPA, FL 33609-3450

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINELLAS FL
Recording Date	May 18, 2017
Property Address	103 EMERALD LN, LARGO, FL 33771-2624
Document Number	0196332592
Book / Page	019633 / 002592
Instrument Date	Apr 26, 2017
Instrument	155164
Transaction Type	Transfer
Record Updated	Jul 6, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 174 DORCHESTER SC 294370174, DORCHESTER, SC 29437-0174

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	$4,425.00 (+5.58%) Homeowner's exemption	$284,408 (+7.42%) Land $92,463 Building $191,945	$284,408 (+7.42%) Land $92,463 Building $191,945
2023	$4,191.00 (+8.1%)	$264,768 (+12.11%)	$264,768 (+12.11%) Land $116,877 Building $147,891
2022	$3,877.00	$236,172	$236,172 Land $115,834 Building $120,338

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 17 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	3 (2024)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 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	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 531 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 · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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