Pinellas County property record for 10685 109th St, Largo, FL 33778
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,100 sqft · built 1957 |
| Lot Size | 0.154 acres (6,717 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $339,000 (Mar 2026) |
| Tax Bill | $4,952 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage Aug 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-750-7234-8 |
| Primary APN | C62-000-750-7234-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,100 sqft Living Area |
| Gross Area | 1,507 sqft |
| 1st Floor Area | 1,100 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 6,717 sqft (0.154 acres) |
| Lot Dimensions | 112 ft deep x 60 ft wide |
| Garage Type | Carport |
| Garage Area | 264 sqft |
| Carport | Carport |
| Carport Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 143 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R164538 |
|---|---|
| Street Address | 10685 109TH ST |
| City | LARGO |
| State | FL |
| Zip | 33778-3343 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | TROPICAL GROVES UNIT 2 BLK F, LOT 8 |
| Legal Range | 15E |
| Legal Township | 30S |
| Legal Section | 15 |
| Legal Subdivision | TROPICAL GROVES UNIT 2 |
| Legal Tract | 92106 |
| Legal Block | F |
| Legal Lot Number | 8 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | BOCA CIEGA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 25114 |
10685 109th St is owned and occupied by two individuals who bought it in March 2026.
Source: Pinellas County records, as of September 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10685 109TH ST, LARGO, FL 33778-3343 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Mar 2, 2026 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 3, 2023 | Warranty Deed, Transfer SEMINOLE TITLE COMPANY |
| Aug 3, 2023 | Personal Representative Deed, Transfer SEMINOLE TITLE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 2, 2026 · Amount on File |
| Deed Sale | Mar 2, 2026 · Amount on File |
| Prior Sale | Aug 3, 2023 · Amount on File |
| Deed Document Number | 202655176 |
| Deed Book / Page | 23470 / 534 |
| Transfer Doc | 9971001357 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Mar 2, 2026 |
| Property Address | 10685 109TH ST, SEMINOLE, FL 33778-3343 |
| Document Number | 0234700534 |
| Book / Page | 23470 / 534 |
| Map Reference | MB 39 PG 52 |
| Instrument Date | Feb 27, 2026 |
| Instrument | 2026055176 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Title Company | COMPASS LAND AND TITLE, COMPASS LAND & TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,373.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7439 1ST WAY N, SAINT PETERSBURG, FL 33702-5419 |
| Name | Verified Name |
|---|---|
| Address | 10685 109TH ST, LARGO, FL 33778-3343 |
| Document Number | 0023470536 |
|---|---|
| Date | Mar 2, 2026 |
| Instrument | 23470/536 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Aug 3, 2023 |
| Property Address | 10685 109TH ST, SEMINOLE, FL 33778-3343 |
| Document Number | 0225250876 |
| Book / Page | 22525 / 876 |
| Map Reference | MB 39 PG 52 |
| Instrument Date | Jul 31, 2023 |
| Instrument | 2023201986 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2023 |
| Title Company | SEMINOLE TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,912.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 110 NATURE TRL, LOUISBURG, NC 27549-9567 |
| Name | Verified Name |
|---|---|
| Address | 7439 1ST WAY N, SAINT PETERSBURG, FL 33702-5419 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Aug 3, 2023 |
| Property Address | 10685 109TH ST, SEMINOLE, FL 33778-3343 |
| Document Number | 0225250874 |
| Book / Page | 22525 / 874 |
| Map Reference | MB 39 PG 52 |
| Instrument Date | Jul 26, 2023 |
| Instrument | 2023201985 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2023 |
| Title Company | SEMINOLE TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 110 NATURE TRL, LOUISBURG, NC 27549-9567 |
| Name | Verified Name |
|---|---|
| Address | 7439 1ST WAY N, SAINT PETERSBURG, FL 33702-5419 |
The 2025 property tax bill for 10685 109th St was $4,952, up 19% 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 | $4,952.00 (+18.95%) | $290,966 Land $117,524 Building $173,442 | $290,966 Land $117,524 Building $173,442 |
| 2024 | $4,163.00 (+521.34%) | ||
| 2023 | $670.00 (-5.77%) Homeowner's exemption Widower's exemption | $80,594 (+3%) | $215,272 (+13.15%) Land $132,929 Building $82,343 |
| 2022 | $711.00 Homeowner's exemption Widower's exemption | $78,247 | $190,254 Land $127,647 Building $62,607 |
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.
FEMA maps place 10685 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 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 10685 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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures