10821 97th St, Largo, FL 33773 Property Records

Pinellas County property record for 10821 97th St, Largo, FL 33773

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,381 sqft · built 1981
Lot Size	0.275 acres (11,975 sqft)
Owner	2 Individual Names on Record
Last Sale	$161,000 (Jun 1999)
Tax Bill	$4,573 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2019 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`C62-000-750-3568-3`

Property Details

APN / Parcel Number

Primary APN	`C62-000-750-3568-3`
Alternative APNs	`14-30-15-48198-002-0120` `301514481980020120` `153014481980020120` `R151974`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,381 sqft Living Area
Gross Area	3,174 sqft
1st Floor Area	2,381 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1988
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	11,975 sqft (0.275 acres)
Lot Dimensions	163 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	352 sqft
Deck Area	300 sqft
Patio Area	300 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R151974
Street Address	10821 97TH ST
City	LARGO
State	FL
Zip	33773-4444
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LAKE PARK UNIT III BLK B, LOT 12
Legal Range	15E
Legal Township	30S
Legal Section	14
Legal Subdivision	LAKE PARK UNIT III
Legal Tract	48198
Legal Block	B
Legal Lot Number	12
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	3
Census Block	3009
Census Tract	25011

Owner

Source: Pinellas County records, as of December 2, 2025

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	10821 97TH ST, LARGO, FL 33773-4444
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 2, 2018	Quit Claim Deed, Transfer Quitclaim
Mar 2, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 1999 · Amount on Record
Deed Sale	Jun 8, 1999 · Amount on Record
Prior Sale	Jul 29, 1996 · Amount on Record
Deed Book / Page	10545 / 1314
Last Transfer Date	Feb 28, 2018
Transfer Doc	0199592477
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10821 97TH ST, LARGO, FL 33773-4444
Transaction Type	Mortgage
Record Updated	Oct 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10821 97TH ST, LARGO, FL 33773-4444

Mortgage

Document Number	0217481452
Date	Oct 6, 2021
Book Page	21748/1452
Instrument	2021326418

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10821 97TH ST, LARGO, FL 33773-4444
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0206632217
Date	Aug 21, 2019
Book Page	20663/2217
Instrument	2019268950

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2034

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINELLAS FL
Recording Date	Mar 2, 2018
Property Address	10821 97TH ST, LARGO, FL 33773-4444
Document Number	0199592477
Book / Page	019959 / 002477
Instrument Date	Feb 28, 2018
Instrument	64465
Transaction Type	Transfer
Record Updated	Mar 21, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10821 97TH ST LARGO FL 337734444, LARGO, FL 33773-4444

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINELLAS FL
Recording Date	Mar 2, 2018
Property Address	10821 97TH ST, LARGO, FL 33773-4444
Document Number	0199592479
Book / Page	019959 / 002479
Instrument Date	Feb 28, 2018
Instrument	64466
Transaction Type	Transfer
Record Updated	Mar 21, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10821 97TH ST LARGO FL 337734444, LARGO, FL 33773-4444

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	$4,573.00 (+6.95%) Homeowner's exemption	$280,533 (+5.99%)	$432,339 (-6.47%) Land $178,608 Building $253,731
2024	$4,276.00 (+2.79%)
2023	$4,160.00 (+2.72%) Homeowner's exemption	$264,686 (+3%)	$462,251 (+34.62%) Land $258,186 Building $204,065
2022	$4,050.00 Homeowner's exemption	$256,977	$343,364 Land $182,525 Building $160,839

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	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	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 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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