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10488 97th St, Largo, FL 33773 Property Records

Pinellas County property record for 10488 97th St, Largo, FL 33773

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,617 sqft · built 1980
Lot Size0.22 acres (9,579 sqft)
OwnerIndividual Name on File
Last Sale$232,500 (Jul 2010)
Tax Bill$2,912 (2025)
Deeds & MortgagesJul 2026 Mortgage
Flood ZoneZone X (minimal risk)
APNC62-000-750-3486-8

Property Details

APN / Parcel Number

Primary APNC62-000-750-3486-8
Alternative APNs
  • 14-30-15-48197-001-0050
  • 301514481970010050
  • 153014481970010050
  • R151892

Interior

Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,617 sqft Living Area
Gross Area2,382 sqft
1st Floor Area1,617 sqft
FlooringCarpet
Interior WallsComposition
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1993
Architectural StyleCustom Design
Exterior MaterialBrick
Construction TypeMasonry / Concrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialOther
Lot Area9,579 sqft (0.22 acres)
Lot Dimensions120 ft deep x 79 ft wide
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area345 sqft
Deck Area140 sqft
Patio Area140 sqft
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ
Water FeatureWater Feature

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR151892
Street Address10488 97TH ST
CityLARGO
StateFL
Zip33773-4531
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2
Legal DescriptionLAKE PARK-UNIT II BLK A, LOT 5
Legal Range15E
Legal Township30S
Legal Section14
Legal SubdivisionLAKE PARK-UNIT II
Legal Tract48197
Legal BlockA
Legal Lot Number5
JurisdictionPINELLAS FL
Township / Civil DivisionCLEARWATER
Census Block Group3
Census Block3002
Census Tract25011

Owner

10488 97th St is owned and occupied by an individual who bought it in July 2010.

Source: Pinellas County records, as of July 20, 2026

Owner of RecordIndividual Name on File
Mailing Address10488 97TH ST, LARGO, FL 33773-4531
OccupancyOwner Occupied
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 6, 2010 · Amount on File
Deed SaleJul 6, 2010 · Amount on File
Prior SaleSep 21, 1998 · Amount on File
Deed Document Number2010189644
Deed Book / Page16965 / 2046
Record UpdatedOct 29, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Recording DateJul 6, 2026
Property Address10488 97TH ST, LARGO, FL 33773-4531
Document Number0000179941
Book / Page23617 / 166
Instrument DateMay 13, 2026
Instrument2026179941
Transaction TypeMortgage
Record UpdatedJul 20, 2026
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address10488 97TH ST, LARGO, FL 33773-4531

Mortgage

Document Number0000179941,
DateJul 6, 2026
Book Page23617/166
Instrument2026179941
Lender
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term478 Months
DueMay 1, 2066
Interest
Rate6.3%
Max Rate-1%

Tax Assessment & Valuation

The 2025 property tax bill for 10488 97th St was $2,912 with exemptions applied.

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

Property Jurisdictions

TypeName
StateFlorida
CountyPinellas County
Unified School DistrictPinellas County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,912.00 Homeowner's exemption Widower's exemption$193,778$402,709 Land $162,002 Building $240,707
2023$2,724.00 (+3.1%) Homeowner's exemption$182,832 (+3%)$428,607 (+33.8%) Land $235,689 Building $192,918
2022$2,642.00 Homeowner's exemption$177,507$320,335 Land $168,098 Building $152,237

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10488 97th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 231 policies
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies231 in force
Nearby Flood Claims30 (1979–2024)
Claims Outside the SFHA8 of 30
Most Recent ClaimOct 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

Wildfire risk around 10488 97th St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemPINELLAS COUNTY UTILITIES
serves 506,353 people · EPA ID FL6521405
Water SourcePurchased surface water from several systems
Last State InspectionMar 2023
LeadUnder 1 ppb (2020)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting17
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

ProviderMax 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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