10759 109th Ln, Largo, FL 33778 Property Records

Pinellas County property record for 10759 109th Ln, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1960
Lot Size	0.143 acres (6,212 sqft)
Owner	2 Individual Names on File
Last Sale	$199,900 (Dec 2019)
Tax Bill	$2,799 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-750-6645-6`

Property Details

APN / Parcel Number

Primary APN	`C62-000-750-6645-6`
Alternative APNs	`15-30-15-69282-000-0950` `301515692820000950` `R163947`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,092 sqft Living Area
Gross Area	1,323 sqft
1st Floor Area	1,092 sqft
Flooring	Carpet

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1996
Architectural Style	H-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,212 sqft (0.143 acres)
Lot Dimensions	100 ft deep x 62 ft wide

Exterior Amenities

Porch	Patio
Porch Area	231 sqft
Deck Area	160 sqft
Patio Area	160 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R163947
Street Address	10759 109TH LN
City	LARGO
State	FL
Zip	33778-4042
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	PINE GROVE ESTATES LOT 95
Legal Range	15E
Legal Township	30S
Legal Section	15
Legal Subdivision	PINE GROVE ESTATES
Legal Tract	69282
Legal Lot Number	95
Jurisdiction	PINELLAS FL
Township / Civil Division	BOCA CIEGA
Census Block Group	1
Census Block	1003
Census Tract	25114

Owner

10759 109th Ln is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	10759 109TH LN, LARGO, FL 33778-4042
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2019 · Amount on File
Deed Sale	Dec 18, 2019 · Amount on File
Deed Document Number	2019402868
Deed Book / Page	20812 / 571
Record Updated	Oct 29, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Dec 18, 2019
Property Address	10759 109TH LN, SEMINOLE, FL 33778-4042
Document Number	0208120571
Book / Page	020812 / 000571
Instrument Date	Dec 13, 2019
Instrument	402868
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	MASTERPIECE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,399.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10759 109TH LN LARGO FL 337784042, LARGO, FL 33778-4042

Mortgage

Document Number	208120573
Date	Dec 18, 2019
Book Page	020812/000573
Instrument	402869

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 17, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 10759 109th Ln was $2,799 with a homeowner's exemption.

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	$2,799.00 Homeowner's exemption	$189,058	$278,585 Land $114,229 Building $164,356
2023	$2,522.00 (+6.23%) Homeowner's exemption	$178,379 (+3.95%)	$271,183 (+18.21%) Land $139,273 Building $131,910
2022	$2,374.00 Homeowner's exemption	$171,606	$229,404 Land $132,414 Building $96,990

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

Flood

FEMA maps place 10759 109th Ln 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	Hurricane Milton, Oct 2024 · 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

Wildfire risk around 10759 109th Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 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