Pinellas County property record for 10845 97th St, Largo, FL 33773
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,038 sqft · built 1980 |
| Lot Size | 0.207 acres (8,995 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $270,000 (Feb 2015) |
| Tax Bill | $4,015 (2025) |
| Deeds & Mortgages | Apr 2019 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | C62-000-750-3570-9 |
| Primary APN | C62-000-750-3570-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,038 sqft Living Area |
| Gross Area | 2,870 sqft |
| 1st Floor Area | 2,038 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 8,995 sqft (0.207 acres) |
| Lot Dimensions | 120 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 406 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 426 sqft |
| Deck Area | 160 sqft |
| Patio Area | 160 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R151976 |
|---|---|
| Street Address | 10845 97TH ST |
| City | LARGO |
| State | FL |
| Zip | 33773-4444 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE PARK UNIT III BLK B, LOT 14 |
| Legal Range | 15E |
| Legal Township | 30S |
| Legal Section | 14 |
| Legal Subdivision | LAKE PARK UNIT III |
| Legal Tract | 48198 |
| Legal Block | B |
| Legal Lot Number | 14 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 25011 |
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 | 10845 97TH ST, LARGO, FL 33773-4444 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 6, 2015 · Amount on Record |
| Deed Sale | Feb 6, 2015 · Amount on Record |
| Prior Sale | May 8, 2000 · Amount on Record |
| Deed Document Number | 201535650 |
| Deed Book / Page | 18670 / 1890 |
| Last Transfer Date | Jun 13, 2024 |
| Transfer Doc | 0228380386 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 10845 97TH ST, LARGO, FL 33773-4444 |
| Document Number | 0205000318 |
| Instrument Date | Apr 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2019 |
| Title Company | SEMINOLE TITLE COMPANY, SEMINOLE TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10845 97TH ST LARGO FL 337734444, LARGO, FL 33773-4444 |
| Document Number | 0205000318 |
|---|---|
| Date | Apr 15, 2019 |
| Book Page | 020500/000318 |
| Instrument | 116401 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 14, 2034 |
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,015.00 (+6.98%) Homeowner's exemption | $249,695 (+5.99%) | $440,114 (+5.67%) Land $155,579 Building $284,535 |
| 2024 | $3,753.00 (+5.36%) | ||
| 2023 | $3,562.00 (+2.92%) Homeowner's exemption Veteran's exemption | $235,590 (+3%) | $416,490 (+36.51%) Land $224,321 Building $192,169 |
| 2022 | $3,461.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $228,728 | $305,089 Land $157,428 Building $147,661 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
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.
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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