10834 97th St, Largo, FL 33773 Property Records

Pinellas County property record for 10834 97th St, Largo, FL 33773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,934 sqft · built 1980
Lot Size	0.33 acres (14,379 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Jun 2018)
Tax Bill	$6,820 (2025)
Deeds & Mortgages	Sep 2022 Second Mortgage Oct 2019 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`C62-000-750-3553-5`

Property Details

APN / Parcel Number

Primary APN	`C62-000-750-3553-5`
Alternative APNs	`14-30-15-48198-001-0090` `301514481980010090` `153014481980010090` `R151959`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,934 sqft Living Area
Gross Area	2,764 sqft
1st Floor Area	1,934 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1999
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	14,379 sqft (0.33 acres)
Lot Dimensions	126 ft deep x 84 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	200 sqft
Patio Area	200 sqft
Shed	1 Shed
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R151959
Street Address	10834 97TH ST
City	LARGO
State	FL
Zip	33773-4443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LAKE PARK UNIT III BLK A, LOT 9 AND S 2.08FT OF LOT 10 & WATER LOT 1-D 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
Legal Lot Number	9
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	2 Individual Names on Record
Mailing Address	10834 97TH ST, LARGO, FL 33773-4443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Oct 2, 2019	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE INC
Oct 26, 2020	Deed of Trust, Mortgage · VA Mortgage ACCELERATE MTG LLC
Jun 5, 2018	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE INC
Jun 5, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2018 · Amount on Record
Deed Sale	Jun 5, 2018 · Amount on Record
Deed Document Number	2018176785
Deed Book / Page	20075 / 2537
Prior Transfer Date	Oct 9, 1995
Prior Transfer Doc	9130001282
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10834 97TH ST, LARGO, FL 33773-4443
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10834 97TH ST, LARGO, FL 33773-4443

Mortgage

Document Number	0221930578
Date	Sep 6, 2022
Book Page	22193/578
Instrument	2022270667

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 7, 2042

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10834 97TH ST, LARGO, FL 33773-4443
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0207160974
Date	Oct 2, 2019
Book Page	20716/0974
Instrument	2019317340

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10834 97TH ST, LARGO, FL 33773-4443
Document Number	0212451961
Instrument Date	Oct 26, 2020
Transaction Type	Mortgage
Record Updated	Nov 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10834 97TH ST LARGO FL 337734443, LARGO, FL 33773-4443

Mortgage

Document Number	0212451961
Date	Nov 6, 2020
Book Page	021245/001961
Instrument	335594

Lender

Name	ACCELERATE MTG LLC
Address	NEWARK, DE 19713

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jun 5, 2018
Property Address	10834 97TH ST, LARGO, FL 33773-4443
Document Number	0200752537
Book / Page	20075 / 2537
Map Reference	MB 81 PG 61&62
Instrument Date	Jun 4, 2018
Instrument	2018176785
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17556 US HIGHWAY 19 N, 17556, CLEARWATER, FL 33764-3517

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10834 97TH ST, LARGO, FL 33773-4443

Mortgage

Document Number	2018176786
Date	Jun 5, 2018
Instrument	2018176786

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINELLAS FL
Recording Date	Jun 5, 2018
Property Address	10834 97TH ST, LARGO, FL 33773-4443
Document Number	0200752535
Book / Page	020075 / 002535
Instrument Date	May 31, 2018
Instrument	176784
Transaction Type	Transfer
Record Updated	Jul 4, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17556 US HIGHWAY 19 N CLEARWATER FL 337643517, CLEARWATER, FL 33764-3517

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	$6,820.00 (+6.85%) Homeowner's exemption	$404,645 (+5.99%)	$513,915 (-4.06%) Land $183,892 Building $330,023
2024	$6,383.00 (+2.7%)
2023	$6,215.00 (+2.47%) Homeowner's exemption	$381,787 (+3%)	$535,686 (+22.59%) Land $272,318 Building $263,368
2022	$6,065.00 Homeowner's exemption	$370,667	$436,983 Land $188,339 Building $248,644

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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