Pinellas County property record for 10489 108th St, Largo, FL 33778
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 942 sqft · built 1958 |
| Lot Size | 0.188 acres (8,198 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $325,000 (May 2022) |
| Tax Bill | $4,578 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Nov 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-750-7271-0 |
| Primary APN | C62-000-750-7271-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 942 sqft Living Area |
| Gross Area | 1,483 sqft |
| 1st Floor Area | 942 sqft |
| Flooring | Carpet |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 8,198 sqft (0.188 acres) |
| Lot Dimensions | 132 ft deep x 62 ft wide |
| Garage Type | Attached |
| Garage Area | 325 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Patio |
|---|---|
| Porch Area | 216 sqft |
| Deck Area | 108 sqft |
| Patio Area | 108 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R164575 |
|---|---|
| Street Address | 10489 108TH ST |
| City | LARGO |
| State | FL |
| Zip | 33778-4030 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | TROPICAL GROVES UNIT 5 LOT 1 |
| Legal Range | 15E |
| Legal Township | 30S |
| Legal Section | 15 |
| Legal Subdivision | TROPICAL GROVES UNIT 5 |
| Legal Tract | 92160 |
| Legal Lot Number | 1 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | BOCA CIEGA |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 25114 |
10489 108th St is owned and occupied by two individuals who bought it in May 2022.
Source: Pinellas County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10489 108TH ST, LARGO, FL 33778-4030 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 11, 2022 | Warranty Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Nov 7, 2019 | Warranty Deed, Transfer · FHA Mortgage CMG MORTGAGE INC |
| Oct 27, 2017 | Warranty Deed, Transfer · Conventional Mortgage VAN DYK MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 11, 2022 · Amount on File |
| Deed Sale | May 11, 2022 · Amount on File |
| Prior Sale | Nov 7, 2019 · Amount on File |
| Deed Document Number | 2022150276 |
| Deed Book / Page | 22058 / 232 |
| Prior Transfer Date | Oct 1, 2007 |
| Prior Transfer Doc | 0160052426 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | May 11, 2022 |
| Property Address | 10489 108TH ST, SEMINOLE, FL 33778-4030 |
| Document Number | 0220580232 |
| Book / Page | 22058 / 232 |
| Map Reference | MB 46 PG 35 |
| Instrument Date | May 10, 2022 |
| Instrument | 2022150276 |
| Transaction Type | Transfer |
| Record Updated | Jun 6, 2022 |
| Title Company | FIRST TITLE SOURCE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,275.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10322 BARRY DR, 10322, LARGO, FL 33774-5441 |
| Name | Verified Name |
|---|---|
| Address | 10489 108TH ST, SEMINOLE, FL 33778-4030 |
| Document Number | 0022058234 |
|---|---|
| Date | May 11, 2022 |
| Instrument | 22058/234 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Nov 7, 2019 |
| Property Address | 10489 108TH ST, SEMINOLE, FL 33778-4030 |
| Document Number | 0207630927 |
| Book / Page | 20763 / 0927 |
| Map Reference | MB 46 PG 35 |
| Instrument Date | Oct 28, 2019 |
| Instrument | 2019359567 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | TAMPA BAY TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,508.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9153 127TH ST, 9153, SEMINOLE, FL 33776-2535 |
| Name | Verified Name |
|---|---|
| Address | 10489 108TH ST, LARGO, FL 33778-4030 |
| Document Number | 0207630929 |
|---|---|
| Date | Nov 7, 2019 |
| Instrument | 20763/0929 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Oct 27, 2017 |
| Property Address | 10489 108TH ST, SEMINOLE, FL 33778-4030 |
| Document Number | 0198202441 |
| Book / Page | 19820 / 2441 |
| Map Reference | MB46 PG35 |
| Instrument Date | Oct 25, 2017 |
| Instrument | 2017328450 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | FIDELITY NATL TITLE OF FLORI |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,120.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 10489 108TH ST, LARGO, FL 33778-4030 |
| Document Number | 2017328451 |
|---|---|
| Date | Oct 27, 2017 |
| Instrument | 2017328451 |
| Name | VAN DYK MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2047 |
The 2025 property tax bill for 10489 108th St was $4,578 with a homeowner's exemption, up 7.1% from the year before.
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 | $4,578.00 (+7.14%) Homeowner's exemption | $287,306 | $311,822 Land $125,816 Building $186,006 |
| 2024 | $4,273.00 (+3.01%) | ||
| 2023 | $4,148.00 (+66.65%) Homeowner's exemption | $271,077 (+54.56%) | $271,077 (+14.85%) Land $149,720 Building $121,357 |
| 2022 | $2,489.00 Homeowner's exemption | $175,391 | $236,022 Land $144,266 Building $91,756 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10489 108th St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1983.
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 File median of 32 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 32 in force |
| Nearby Flood Claims | 9 (1983–2024) |
| Claims Outside the SFHA | 9 of 9 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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.
The area around 10489 108th St has no burnable land within ember reach, so its wildfire risk is not rated.
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 629 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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