10404 97th St, Largo, FL 33773 Property Records

Pinellas County property record for 10404 97th St, Largo, FL 33773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,920 sqft · built 1980
Lot Size	0.221 acres (9,618 sqft)
Owner	Individual Name on File
Last Sale	$399,900 (Mar 2020)
Tax Bill	$6,326 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-750-3484-3`

Property Details

APN / Parcel Number

Primary APN	`C62-000-750-3484-3`
Alternative APNs	`14-30-15-48197-001-0030` `301514481970010030` `153014481970010030` `R151890`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,920 sqft Living Area
Gross Area	2,520 sqft
1st Floor Area	1,920 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2001
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,618 sqft (0.221 acres)
Lot Dimensions	120 ft deep x 79 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	138 sqft
Deck Area	200 sqft
Patio Area	200 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R151890
Street Address	10404 97TH ST
City	LARGO
State	FL
Zip	33773-4531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LAKE PARK-UNIT II BLK A, LOT 3
Legal Range	15E
Legal Township	30S
Legal Section	14
Legal Subdivision	LAKE PARK-UNIT II
Legal Tract	48197
Legal Block	A
Legal Lot Number	3
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	3
Census Block	3002
Census Tract	25011

Owner

Source: Pinellas County records, as of September 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	10404 97TH ST, LARGO, FL 33773-4531
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Mar 16, 2020	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2020 · Amount on File
Deed Sale	Mar 16, 2020 · Amount on File
Prior Sale	Dec 31, 2005 · Amount on File
Deed Document Number	202088130
Deed Book / Page	20924 / 245
Prior Transfer Date	Jun 21, 2013
Prior Transfer Doc	0180870068
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10404 97TH ST, LARGO, FL 33773-4531
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10404 97TH ST, LARGO, FL 33773-4531

Mortgage

Document Number	0214382616
Date	Mar 17, 2021
Book Page	21438/2616
Instrument	2021086736

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Mar 16, 2020
Property Address	10404 97TH ST, LARGO, FL 33773-4531
Document Number	0209240245
Book / Page	20924 / 245
Map Reference	MB 79 PG 63
Instrument Date	Mar 6, 2020
Instrument	2020088130
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	COAST TO COAST T&E

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,799.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10404 97TH ST, 10404, LARGO, FL 33773-4531

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10404 97TH ST, LARGO, FL 33773-4531

Mortgage

Document Number	0209240247
Date	Mar 16, 2020
Instrument	20924/0247

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

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	$6,326.00 (+9.77%) Homeowner's exemption	$377,342 (+5.99%)	$493,238 (-2.83%) Land $165,194 Building $328,044
2023	$5,763.00 (+2.51%) Homeowner's exemption	$356,026 (+3%)	$507,578 (+33.06%) Land $245,822 Building $261,756
2022	$5,622.00 Homeowner's exemption	$345,656	$381,470 Land $176,610 Building $204,860

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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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