10709 115th Ave, Largo, FL 33778 Property Records

Pinellas County property record for 10709 115th Ave, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 958 sqft · built 1956
Lot Size	0.177 acres (7,714 sqft)
Owner	2 Individual Names on Record
Last Sale	$338,000 (Sep 2026)
Tax Bill	$2,924 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jun 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-750-5251-4`

Property Details

APN / Parcel Number

Primary APN	`C62-000-750-5251-4`
Alternative APNs	`15-30-15-34056-001-0280` `301515340560010280` `R162553`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	958 sqft Living Area
Gross Area	1,424 sqft
1st Floor Area	958 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1984
Architectural Style	H-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,714 sqft (0.177 acres)
Lot Dimensions	110 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Patio
Porch Area	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R162553
Street Address	10709 115TH AVE
City	LARGO
State	FL
Zip	33778-3222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	GULF BREEZE ACRES REPLAT BLK A, LOT 28
Legal Range	15E
Legal Township	30S
Legal Section	15
Legal Subdivision	GULF BREEZE ACRES REPLAT
Legal Tract	34056
Legal Block	A
Legal Lot Number	28
Jurisdiction	PINELLAS FL
Township / Civil Division	BOCA CIEGA
Census Block Group	2
Census Block	2000
Census Tract	25116

Owner

Source: Pinellas County records, as of September 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10709 115TH AVE, LARGO, FL 33778-3222
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Jun 20, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 19, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2026 · Amount on Record
Deed Sale	Sep 10, 2026 · Amount on Record
Prior Sale	Apr 19, 2021 · Amount on Record
Deed Document Number	2026242774
Deed Book / Page	23689 / 541
Prior Transfer Date	Jun 7, 2005
Prior Transfer Doc	0143841195
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 10, 2026
Property Address	10709 115TH AVE, LARGO, FL 33778-3222
Document Number	0000242774
Book / Page	23689 / 541
Instrument Date	Sep 9, 2026
Instrument	2026242774
Transaction Type	Transfer
Record Updated	Sep 24, 2026
Title Company	TITLE ESCROW, BLUE BRICK TITLE AND ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$238,966.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10709 115TH AVE, LARGO, FL 33778-3222

Mortgage

Document Number	0000242775,
Date	Sep 10, 2026
Instrument	2026242775

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0000242776,
Date	Sep 10, 2026
Book Page	23689/563
Instrument	2026242776

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2036

Interest

Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10709 115TH AVE, LARGO, FL 33778-3222
Transaction Type	Mortgage
Record Updated	Mar 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10709 115TH AVE, LARGO, FL 33778-3222

Mortgage

Document Number	0224781694
Date	Jun 20, 2023
Book Page	22478/1694
Instrument	2023159859

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jun 15, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Apr 19, 2021
Property Address	10709 115TH AVE, LARGO, FL 33778-3222
Document Number	0214922082
Book / Page	21492 / 2082
Map Reference	MB 39 PG 32
Instrument Date	Apr 16, 2021
Instrument	2021127752
Transaction Type	Transfer
Record Updated	Mar 21, 2024
Title Company	SEMINOLE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,519.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5617 25TH AVE S, MINNEAPOLIS, MN 55417-2744

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10709 115TH AVE, LARGO, FL 33778-3222

Mortgage

Document Number	0214922084
Date	Apr 19, 2021
Instrument	21492/2084

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,924.00 (+4.92%) Homeowner's exemption	$198,880 (+4%) Land $106,352 Building $92,528	$198,880 (-6.24%) Land $106,352 Building $92,528
2024	$2,787.00 (+3.26%)
2023	$2,699.00 (+2.86%) Homeowner's exemption	$191,239 (+3%)	$212,115 (+14.24%) Land $137,378 Building $74,737
2022	$2,624.00 Homeowner's exemption	$185,669	$185,669 Land $129,528 Building $56,141

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	22 in force

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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 663 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

Nearby Properties on 115th Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures