10446 118th St, Largo, FL 33778 Property Records

Pinellas County property record for 10446 118th St, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,906 sqft · built 1981
Lot Size	0.189 acres (8,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$510 (Apr 2020)
Tax Bill	$3,269 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-750-8539-9`

Property Details

APN / Parcel Number

Primary APN	`C62-000-750-8539-9`
Alternative APNs	`16-30-15-79700-000-0640` `301516797000000640` `153016797000000640` `R173513`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,906 sqft Living Area
Gross Area	2,643 sqft
1st Floor Area	1,906 sqft
Flooring	Carpet

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2003
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	8,246 sqft (0.189 acres)
Lot Dimensions	110 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	257 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R173513
Street Address	10446 118TH ST
City	LARGO
State	FL
Zip	33778-3808
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEMINOLE GROVE ESTATES NORTH ADD LOT 64
Legal Range	15E
Legal Township	30S
Legal Section	16
Legal Subdivision	SEMINOLE GROVE ESTATES
Legal Tract	79700
Legal Lot Number	64
Jurisdiction	PINELLAS FL
Township / Civil Division	BOCA CIEGA
Census Block Group	1
Census Block	1028
Census Tract	25119

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	10446 118TH ST, LARGO, FL 33778-3808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Apr 2, 2020	Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS
Jan 24, 2019	Deed of Trust, Mortgage · Line of Credit ACHIEVA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2020 · Amount on Record
Deed Sale	Apr 1, 2020 · Amount on Record
Prior Sale	Oct 21, 2008 · Amount on Record
Deed Document Number	2020110987
Deed Book / Page	20950 / 204
Prior Transfer Date	Sep 4, 2003
Prior Transfer Doc	0000386968
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10446 118TH ST, SEMINOLE, FL 33778-3808
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10446 118TH ST, LARGO, FL 33778-3808

Mortgage

Document Number	0211710744
Date	Sep 18, 2020
Book Page	21171/744
Instrument	2020279310

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Apr 2, 2020
Property Address	10446 118TH ST, SEMINOLE, FL 33778-3808
Document Number	0209500204
Book / Page	020950 / 000204
Instrument Date	Mar 30, 2020
Instrument	110987
Transaction Type	Transfer
Record Updated	Apr 30, 2020
Title Company	LUXE TITLE SERVICES, LUXE TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10446 118TH ST LARGO FL 337783808, LARGO, FL 33778-3808

Mortgage

Document Number	209500206
Date	Apr 2, 2020
Book Page	020950/000206
Instrument	110988

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10446 118TH ST, SEMINOLE, FL 33778-3808
Document Number	0204171918
Instrument Date	Jan 24, 2019
Transaction Type	Mortgage
Record Updated	Feb 18, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10446 118TH ST SEMINOLE FL 337783808, SEMINOLE, FL 33778-3808

Mortgage

Document Number	0204171918
Date	Feb 4, 2019
Book Page	020417/001918
Instrument	36183

Lender

Name	ACHIEVA CU
Type	Credit Union
Address	DUNEDIN, FL 34697

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 3, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,269.00 (+12.69%) Homeowner's exemption	$236,843 (+5.99%)	$539,970 (+5.57%) Land $162,232 Building $377,738
2023	$2,901.00 (+2.95%) Homeowner's exemption	$223,464 (+3%)	$511,460 (+18.22%) Land $210,783 Building $300,677
2022	$2,818.00 Homeowner's exemption	$216,955	$432,652 Land $207,610 Building $225,042

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 76 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	76 in force
Nearby Flood Claims	7 (1981–2024)
Claims Outside the SFHA	7 of 7
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 5 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 427 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

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

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