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10496 109th St, Largo, FL 33778 Property Records

Pinellas County property record for 10496 109th St, Largo, FL 33778

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,202 sqft · built 1958
Lot Size0.157 acres (6,848 sqft)
Owner2 Individual Names on Record
Last Sale$204,000 (Feb 2018)
Tax Bill$5,360 (2025)
Deeds & MortgagesAug 2019 Mortgage
Apr 2018 Transfer
+ 2 more
Flood ZoneZone X (minimal risk)
APNC62-000-750-7311-4

Property Details

APN / Parcel Number

Primary APNC62-000-750-7311-4
Alternative APNs
  • 15-30-15-92160-000-0420
  • 301515921600000420
  • R164615

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,202 sqft Living Area
Gross Area1,482 sqft
1st Floor Area1,202 sqft
FlooringCarpet
Interior WallsComposition

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 1994
Architectural StyleCustom Design
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialOther
Lot Area6,848 sqft (0.157 acres)
Lot Dimensions100 ft deep x 68 ft wide

Exterior Amenities

PorchSlab
Porch Area424 sqft
Deck Area198 sqft
Patio Area198 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR164615
Street Address10496 109TH ST
CityLARGO
StateFL
Zip33778-4031
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR3
Legal DescriptionTROPICAL GROVES UNIT 5 LOT 42
Legal Range15E
Legal Township30S
Legal Section15
Legal SubdivisionTROPICAL GROVES UNIT 5
Legal Tract92160
Legal Lot Number42
JurisdictionPINELLAS FL
Township / Civil DivisionBOCA CIEGA
Census Block Group1
Census Block1018
Census Tract25114

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 Record2 Individual Names on Record
Mailing Address790 5TH AVE SW, LARGO, FL 33770-3489
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 9, 2019Deed of Trust, Mortgage · Conventional with PMI
QUICKEN LNS
Apr 12, 2018Quit Claim Deed, Transfer
Quitclaim
Feb 28, 2018Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Dec 11, 2017Warranty Deed, Transfer
GOLD SERVICES TITLE INSURANCE AGENCY COMPANY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 28, 2018 · Amount on Record
Deed SaleFeb 28, 2018 · Amount on Record
Prior SaleDec 11, 2017 · Amount on Record
Deed Document Number201861181
Deed Book / Page19956 / 361
Last Transfer DateMar 21, 2018
Transfer Doc0200102318
Record UpdatedOct 29, 2026

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address10496 109TH ST, SEMINOLE, FL 33778-4031
Document Number0206532479
Instrument DateAug 9, 2019
Transaction TypeMortgage
Record UpdatedAug 23, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2083 BIG TREE DR COLUMBUS OH 432233292, COLUMBUS, OH 43223-3292

Mortgage

Document Number0206532479
DateAug 14, 2019
Book Page020653/002479
Instrument259241
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48266-1906
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueAug 13, 2049

April 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPINELLAS FL
Recording DateApr 12, 2018
Property Address10496 109TH ST, SEMINOLE, FL 33778-4031
Document Number0200102318
Book / Page020010 / 002318
Instrument DateMar 21, 2018
Instrument114038
Transaction TypeTransfer
Record UpdatedJun 1, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address10039 62ND AVE N #4 ST PETERSBURG FL 337084545, 4, ST PETERSBURG, FL 33708-4545

February 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateFeb 28, 2018
Property Address10496 109TH ST, SEMINOLE, FL 33778-4031
Document Number0199560361
Book / Page19956 / 0361
Map ReferenceMB46 PG35
Instrument DateFeb 26, 2018
Instrument2018061181
Transaction TypeTransfer
Record UpdatedFeb 1, 2022
Title CompanyGOLD SERVICE TITLE INS AGENC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,428.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address2083 BIG TREE DR, COLUMBUS, OH 43223-3292

Mortgage

Document Number2018061182
DateFeb 28, 2018
Instrument2018061182
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2048

December 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateDec 11, 2017
Property Address10496 109TH ST, SEMINOLE, FL 33778-4031
Document Number0198700995
Book / Page019870 / 000995
Instrument DateDec 4, 2017
Instrument375226
Transaction TypeTransfer
Record UpdatedJan 3, 2018
Title CompanyGOLD SERVICES TITLE INSURANCE AGENCY COMPANY

Transaction

AmountAmount Recorded
Tax$651.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address227 66TH ST S ST PETERSBURG FL 337071325, ST PETERSBURG, FL 33707-1325

Tax Assessment & Valuation

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$5,360.00 (+9.95%)$288,756 (+2.74%) Land $126,678 Building $162,078$288,756 (+2.74%) Land $126,678 Building $162,078
2024$4,875.00 (+2.96%)
2023$4,735.00 (+77.87%)$281,051 (+43.66%)$281,051 (+16.33%) Land $151,509 Building $129,542
2022$2,662.00 Homeowner's exemption$195,642$241,606 Land $145,516 Building $96,090

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
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

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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