10754 Frances Ln, Largo, FL 33774 Property Records

Pinellas County property record for 10754 Frances Ln, Largo, FL 33774

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,102 sqft · built 1987
Lot Size	0.289 acres (12,567 sqft)
Owner	2 Individual Names on File
Last Sale	$562,000 (Sep 2021)
Tax Bill	$10,541 (2025)
Deeds & Mortgages	Jul 2026 Sale Sep 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-751-0190-7`

Property Details

APN / Parcel Number

Primary APN	`C62-000-751-0190-7`
Alternative APNs	`18-30-15-29278-000-0160` `301518292780000160` `153018292780000160` `R190772`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,102 sqft Living Area
Gross Area	3,452 sqft
1st Floor Area	2,102 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2000
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	12,567 sqft (0.289 acres)
Lot Dimensions	132 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	844 sqft
Deck Area	269 sqft
Patio Area	269 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R190772
Street Address	10754 FRANCES LN
City	LARGO
State	FL
Zip	33774-4535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	FOX COURT LOT 16
Legal Range	15E
Legal Township	30S
Legal Section	18
Legal Subdivision	FOX COURT
Legal Tract	29278
Legal Lot Number	16
Jurisdiction	PINELLAS FL
Township / Civil Division	BOCA CIEGA
Census Block Group	2
Census Block	2006
Census Tract	25119

Owner

10754 Frances Ln is owned and occupied by two individuals who acquired it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	10754 FRANCES LN, LARGO, FL 33774-4535
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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 6, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Sep 1, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage ACHIEVA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2021 · Amount on File
Deed Sale	Sep 1, 2021 · Amount on File
Prior Sale	Feb 17, 2015 · Amount on File
Deed Document Number	2021287987
Deed Book / Page	21698 / 1320
Last Transfer Date	Jul 2, 2026
Transfer Doc	0000179080
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	PINELLAS FL
Recording Date	Jul 6, 2026
Property Address	10754 FRANCES LN, LARGO, FL 33774-4535
Document Number	0000179080
Book / Page	23615 / 2484
Instrument Date	Jul 2, 2026
Instrument	2026179080
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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	10754 FRANCES LN, LARGO, FL 33774-4535

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 1, 2021
Property Address	10754 FRANCES LN, LARGO, FL 33774-4535
Document Number	0216981320
Book / Page	21698 / 1320
Map Reference	MB 82 PG 12&13
Instrument Date	Aug 31, 2021
Instrument	2021287987
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,934.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	236 KIMRICH CIR N, 236, VALPARAISO, IN 46385-9260

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10420 FLOWERHILL CT, PARKER, CO 80134-9597

Mortgage

Document Number	216981322
Date	Sep 1, 2021
Instrument	21698/1322

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10754 FRANCES LN, LARGO, FL 33774-4535
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0212552255
Date	Nov 16, 2020
Book Page	21255/2255
Instrument	2020343579

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Oct 1, 2035

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10754 FRANCES LN, LARGO, FL 33774-4535
Document Number	0195521853
Book / Page	019552 / 001853
Instrument Date	Mar 13, 2017
Transaction Type	Mortgage
Record Updated	Aug 22, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	236 KIMRICH CIR N VALPARAISO IN 463859260, VALPARAISO, IN 46385-9260

Mortgage

Document Number	0195521853
Date	Mar 14, 2017
Book Page	019552/001853
Instrument	79725

Lender

Name	ACHIEVA CU
Type	Credit Union
Address	DUNEDIN, FL 34698

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 13, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 10754 Frances Ln was $10,541.

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	$10,541.00	$630,154	$634,086 Land $215,408 Building $418,678
2023	$9,993.00 (+12.78%) Homeowner's exemption	$609,294 (+17.62%)	$609,294 (+17.62%) Land $280,689 Building $328,605
2022	$8,861.00	$518,028	$518,028 Land $267,014 Building $251,014

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

Flood

FEMA maps place 10754 Frances Ln in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.

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 57 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	8 (1979–2024)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Oct 2024 · Hurricane Milton

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 10754 Frances Ln 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 498 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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