10726 97th St, Largo, FL 33773 Property Records

Pinellas County property record for 10726 97th St, Largo, FL 33773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,966 sqft · built 1981
Lot Size	0.335 acres (14,584 sqft)
Owner	2 Individual Names on File
Last Sale	$373,000 (Nov 2019)
Tax Bill	$6,084 (2025)
Deeds & Mortgages	Jul 2026 Sale Apr 2023 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`C62-000-750-3546-9`

Property Details

APN / Parcel Number

Primary APN	`C62-000-750-3546-9`
Alternative APNs	`14-30-15-48198-001-0020` `301514481980010020` `153014481980010020` `R151952`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,966 sqft Living Area
Gross Area	2,796 sqft
1st Floor Area	1,966 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2002
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	14,584 sqft (0.335 acres)
Lot Dimensions	35 ft deep x 89 ft wide
View / Lot	Pond
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	410 sqft
Deck Area	169 sqft
Patio Area	169 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R151952
Street Address	10726 97TH ST
City	LARGO
State	FL
Zip	33773-4534
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LAKE PARK UNIT III BLK A, LOT 2 & WATER LOT 1-K OF LAKE PARK UNIT IV BLK 2
Legal Range	15E
Legal Township	30S
Legal Section	14
Legal Subdivision	LAKE PARK UNIT III
Legal Tract	48198
Legal Block	A,2
Legal Lot Number	2,1-K
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	3
Census Block	3005
Census Tract	25011

Owner

10726 97th St is owned and occupied by two individuals who acquired it in May 2026.

Source: Pinellas County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10726 97TH ST, LARGO, FL 33773-4534
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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

Date	Document
Jul 7, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Apr 11, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jan 12, 2021	Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC
Nov 12, 2019	Deed of Trust, Mortgage · VA Mortgage HOME PT FIN'L
Nov 12, 2019	Warranty Deed, Transfer · VA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2019 · Amount on File
Deed Sale	Nov 12, 2019 · Amount on File
Prior Sale	Sep 22, 2016 · Amount on File
Deed Document Number	2019364294
Deed Book / Page	20768 / 1358
Last Transfer Date	May 13, 2026
Transfer Doc	0000180415
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINELLAS FL
Recording Date	Jul 7, 2026
Property Address	10726 97TH ST, LARGO, FL 33773-4534
Document Number	0000180415
Book / Page	23617 / 1532
Instrument Date	May 13, 2026
Instrument	2026180415
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10726 97TH ST, LARGO, FL 33773-4534

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10726 97TH ST, LARGO, FL 33773-4534
Transaction Type	Mortgage
Record Updated	Apr 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10726 97TH ST, LARGO, FL 33773-4534

Mortgage

Document Number	0224022363
Date	Apr 11, 2023
Book Page	22402/2363
Instrument	2023092540

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	May 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10726 97TH ST, LARGO, FL 33773-4534
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0213391215
Date	Jan 12, 2021
Book Page	21339/1215
Instrument	2021010841

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10726 97TH ST, LARGO, FL 33773-4534
Document Number	0207681360
Instrument Date	Nov 12, 2019
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	NTC - KEY W

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9311 117TH AVE LARGO FL 337734344, LARGO, FL 33773-4344

Mortgage

Document Number	0207681360
Date	Nov 12, 2019
Book Page	020768/001360
Instrument	364295

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2049

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Nov 12, 2019
Property Address	10726 97TH ST, LARGO, FL 33773-4534
Document Number	0207681358
Book / Page	20768 / 1358
Map Reference	MB 81 PG 61
Instrument Date	Nov 12, 2019
Instrument	2019364294
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,611.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14994 CROMWELL DR, 14994, CLEARWATER, FL 33764-7008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10726 97TH ST, LARGO, FL 33773-4534

Mortgage

Document Number	0207681360
Date	Nov 12, 2019
Instrument	20768/1360

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 10726 97th St was $6,084.

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	$6,084.00	$368,946	$538,118 Land $187,528 Building $350,590
2023	$5,536.00 (+2.58%) Homeowner's exemption Veteran's exemption	$348,105 (+3%)	$554,831 (+34.16%) Land $278,327 Building $276,504
2022	$5,397.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$337,966	$413,546 Land $197,565 Building $215,981

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10726 97th St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 231 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	231 in force
Nearby Flood Claims	30 (1979–2024)
Claims Outside the SFHA	8 of 30
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 5 claims Severe Storms, High Winds, Tornadoes, And Flooding, Dec 1997 · 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 10726 97th 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.

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 339 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	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, T-Mobile, Verizon.

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