10744 97th St, Largo, FL 33773 Property Records

Pinellas County property record for 10744 97th St, Largo, FL 33773

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,907 sqft · built 1981
Lot Size	0.266 acres (11,570 sqft)
Owner	Individual Name on Record
Tax Bill	$3,119 (2025)
Deeds & Mortgages	Feb 2022 Transfer Nov 2019 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`C62-000-750-3547-7`

Property Details

APN / Parcel Number

Primary APN	`C62-000-750-3547-7`
Alternative APNs	`14-30-15-48198-001-0030` `301514481980010030` `153014481980010030` `R151953`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,907 sqft Living Area
Gross Area	2,781 sqft
1st Floor Area	1,907 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1989
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	11,570 sqft (0.266 acres)
Lot Dimensions	120 ft deep x 75 ft wide
View / Lot	Pond
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	434 sqft
Deck Area	140 sqft
Patio Area	140 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R151953
Street Address	10744 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 3 & WATER LOT 1-J, BLK 2 OF LAKE PARK UNIT IV
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	3,1-J
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	3
Census Block	3005
Census Tract	25011

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 Record	Individual Name on Record
Mailing Address	10744 97TH ST, LARGO, FL 33773-4534
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Nov 7, 2019	Deed of Trust, Mortgage · Line of Credit ACHIEVA CU
Sep 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 16, 2022
Transfer Doc	0219370875
Record Updated	Oct 29, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PINELLAS FL
Recording Date	Feb 16, 2022
Property Address	10744 97TH ST, LARGO, FL 33773-4534
Document Number	0219370875
Book / Page	21937 / 875
Map Reference	MB 81 PG 61
Instrument Date	Feb 16, 2022
Instrument	2022050862
Transaction Type	Transfer
Record Updated	Mar 1, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	10744 97TH ST, LARGO, FL 33773-4534

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10744 97TH ST, LARGO, FL 33773-4534
Document Number	0207690123
Instrument Date	Nov 7, 2019
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10744 97TH ST LARGO FL 337734534, LARGO, FL 33773-4534

Mortgage

Document Number	0207690123
Date	Nov 13, 2019
Book Page	020769/000123
Instrument	364775

Lender

Name	ACHIEVA CU
Type	Credit Union
Address	DUNEDIN, FL 34697

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 12, 2044

Interest

Rate Type	Adjustable Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10744 97TH ST, LARGO, FL 33773-4534
Document Number	0202471742
Instrument Date	Sep 24, 2018
Transaction Type	Mortgage
Record Updated	Oct 18, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10744 97TH ST LARGO FL 337734534, LARGO, FL 33773-4534

Mortgage

Document Number	0202471742
Date	Oct 3, 2018
Book Page	020247/001742
Instrument	317225

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 2, 2033

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	$3,119.00 (+10.21%) Homeowner's exemption	$200,162 (+5.99%)	$414,587 (+0.48%) Land $161,894 Building $252,693
2023	$2,830.00 (+3.1%) Homeowner's exemption	$188,855 (+3%)	$412,596 (+34.28%) Land $233,697 Building $178,899
2022	$2,745.00 Homeowner's exemption	$183,354	$307,259 Land $166,206 Building $141,053

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 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 Record 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

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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