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10494 109th St, Largo, FL 33778 Property Records

Pinellas County property record for 10494 109th St, Largo, FL 33778

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,190 sqft · built 1958
Lot Size0.157 acres (6,848 sqft)
Owner2 Trust Names on File
Last Sale$61,000 (Nov 1993)
Tax Bill$1,129 (2025)
Deeds & MortgagesSep 2026 Sale
Aug 2021 Transfer
Flood ZoneZone X (minimal risk)
APNR164616

Property Details

APN / Parcel Number

Primary APNR164616
Alternative APNs
  • 15-30-15-92160-000-0430
  • 301515921600000430

Interior

Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,190 sqft Living Area
Gross Area1,705 sqft
1st Floor Area1,190 sqft
Interior WallsComposition

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 1958
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Lot Area6,848 sqft (0.157 acres)
Lot Dimensions100 ft deep x 68 ft wide

Exterior Amenities

PorchSlab
Deck AreaDeck Area
Patio Area80 sqft
Shed1 Shed
Shed Area130 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR164616
Street Address10494 109TH ST
CityLARGO
StateFL
Zip33778-4031
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTROPICAL GROVES UNIT 5 LOT 43
Legal SubdivisionTROPICAL GROVES UNIT 5
Legal Lot Number43
JurisdictionPINELLAS FL
Township / Civil DivisionBOCA CIEGA
Census Block Group1
Census Block1018
Census Tract25114

Owner

10494 109th St is owner-occupied and held in a trust since September 2026.

Source: Pinellas County records, as of October 13, 2026

Owner of Record2 Trust Names on File
Mailing Address10494 109TH ST, LARGO, FL 33778-4031
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Revocable Trust

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

DateDocument
Sep 15, 2026Quit Claim Deed, Transfer
NONE LISTED ON DOCUMENT
Aug 30, 2021Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 22, 1993 · Amount on File
Deed SaleNov 22, 1993 · Amount on File
Deed Book / Page8477 / 1224
Last Transfer DateSep 8, 2026
Transfer Doc0000246098
Record UpdatedOct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPINELLAS FL
Recording DateSep 15, 2026
Property Address10494 109TH ST, LARGO, FL 33778-4031
Document Number0000246098
Book / Page23693 / 127
Instrument DateSep 8, 2026
Instrument2026246098
Transaction TypeTransfer
Record UpdatedSep 29, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
Tax$70.70
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address10494 109TH ST, LARGO, FL 33778-4031

August 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPINELLAS FL
Recording DateAug 30, 2021
Property Address10494 109TH ST, LARGO, FL 33778-4031
Document Number0216931948
Book / Page21693 / 1948
Map ReferenceMB 46 PG 35
Instrument DateAug 6, 2021
Instrument2021284593
Transaction TypeTransfer
Record UpdatedFeb 1, 2022
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address10494 109TH ST, LARGO, FL 33778-4031

Tax Assessment & Valuation

The 2025 property tax bill for 10494 109th St was $1,129, up 8.6% from the year before.

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 Value
2025$1,129.00 (+8.56%)
2024$1,040.00 (+4.63%)
2023$994.00 (+4.41%) Homeowner's exemption
2022$952.00 Homeowner's exemption$1,477

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 10494 109th 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 32 policies
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies32 in force
Nearby Flood Claims9 (1983–2024)
Claims Outside the SFHA9 of 9
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 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

The area around 10494 109th 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 RiskNot 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 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 629 locations within half a mile, as of December 31, 2025

ProviderMax 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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