Pinellas County property record for 10443 Monarch Dr, Largo, FL 33774
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,580 sqft · built 1969 |
| Lot Size | 0.211 acres (9,200 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $415,000 (Apr 2018) |
| Tax Bill | $6,233 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Dec 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-751-0628-6 |
| Primary APN | C62-000-751-0628-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,580 sqft Living Area |
| Gross Area | 3,164 sqft |
| 1st Floor Area | 2,580 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 9,200 sqft (0.211 acres) |
| Lot Dimensions | 115 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 64 sqft |
| Deck Area | 198 sqft |
| Patio Area | 198 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R191210 |
|---|---|
| Street Address | 10443 MONARCH DR |
| City | LARGO |
| State | FL |
| Zip | 33774-5014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | IMPERIAL POINT UNIT 1 LOT 46 |
| Legal Range | 15E |
| Legal Township | 30S |
| Legal Section | 18 |
| Legal Subdivision | IMPERIAL POINT UNIT 1 |
| Legal Tract | 42022 |
| Legal Lot Number | 46 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 25205 |
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 | 10443 MONARCH DR, LARGO, FL 33774-5014 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND |
| Dec 19, 2023 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Dec 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Jan 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 19, 2018 | Warranty Deed, Transfer · Conventional Mortgage FRANKLIN AMERICAN MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 19, 2018 · Amount on Record |
| Deed Sale | Apr 19, 2018 · Amount on Record |
| Prior Sale | Oct 25, 2016 · Amount on Record |
| Deed Document Number | 2018122788 |
| Deed Book / Page | 20019 / 1924 |
| Prior Transfer Date | Aug 18, 2003 |
| Prior Transfer Doc | 0000349497 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 10443 MONARCH DR, LARGO, FL 33774-5014 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 10443 MONARCH DR, LARGO, FL 33774-5014 |
| Document Number | 0235031665 |
|---|---|
| Date | Mar 30, 2026 |
| Book Page | 23503/1665 |
| Instrument | 2026083683 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 24, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 10443 MONARCH DR, LARGO, FL 33774-5014 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2024 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0226560490 |
|---|---|
| Date | Dec 19, 2023 |
| Book Page | 22656/490 |
| Instrument | 2023320531 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 8, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 10443 MONARCH DR, LARGO, FL 33774-5014 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 10443 MONARCH DR, LARGO, FL 33774-5014 |
| Document Number | 0212830847 |
|---|---|
| Date | Dec 3, 2020 |
| Book Page | 21283/847 |
| Instrument | 2020364131 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 10443 MONARCH DR, LARGO, FL 33774-5014 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0208650091 |
|---|---|
| Date | Jan 31, 2020 |
| Book Page | 20865/0091 |
| Instrument | 2020033247 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Apr 19, 2018 |
| Property Address | 10443 MONARCH DR, LARGO, FL 33774-5014 |
| Document Number | 0200191924 |
| Book / Page | 20019 / 1924 |
| Map Reference | MB63 PG86 |
| Instrument Date | Apr 16, 2018 |
| Instrument | 2018122788 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | LUXE TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,905.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 10443 MONARCH DR, LARGO, FL 33774-5014 |
| Document Number | 2018122789 |
|---|---|
| Date | Apr 19, 2018 |
| Instrument | 2018122789 |
| Name | FRANKLIN AMERICAN MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,233.00 (+5.45%) Homeowner's exemption | $377,380 (+5.99%) | $579,675 (+23.42%) Land $186,175 Building $393,500 |
| 2024 | $5,911.00 (+2.62%) | ||
| 2023 | $5,760.00 (+6.31%) Homeowner's exemption | $356,062 (+3%) | $469,673 (+7.76%) Land $222,548 Building $247,125 |
| 2022 | $5,418.00 Homeowner's exemption | $345,691 | $435,869 Land $243,479 Building $192,390 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 118 individual policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 313 units insured incl. 195 condo units |
| Nearby Flood Claims | 34 (1979–2026) |
| Claims Outside the SFHA | 14 of 34 |
| Most Recent Claim | Aug 2026 · rainfall accumulation |
| Claims by Event |
|
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.
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.
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 |
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.
Source: FCC Broadband Data Collection, based on 502 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 |
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