10857 97th St, Largo, FL 33773 Property Records

Pinellas County property record for 10857 97th St, Largo, FL 33773

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,534 sqft · built 1980
Lot Size	0.207 acres (8,995 sqft)
Owner	2 Individual Names on File
Last Sale	$615,000 (Nov 2025)
Tax Bill	$3,984 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`C62-000-750-3571-7`

Property Details

APN / Parcel Number

Primary APN	`C62-000-750-3571-7`
Alternative APNs	`14-30-15-48198-002-0150` `301514481980020150` `153014481980020150` `R151977`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,534 sqft Living Area
Gross Area	3,246 sqft
1st Floor Area	2,534 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	292 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R151977
Street Address	10857 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 15
Legal Range	15E
Legal Township	30S
Legal Section	14
Legal Subdivision	LAKE PARK UNIT III
Legal Tract	48198
Legal Block	B
Legal Lot Number	15
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	3
Census Block	3009
Census Tract	25011

Owner

10857 97th St is owned by two individuals who bought it in November 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	8240 ACADIAN LN, SEMINOLE, FL 33777-4455
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Jan 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2025 · Amount on File
Deed Sale	Nov 20, 2025 · Amount on File
Deed Document Number	2025327265
Deed Book / Page	23366 / 1179
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Nov 20, 2025
Property Address	10857 97TH ST, LARGO, FL 33773-4444
Document Number	0233661179
Book / Page	23366 / 1179
Map Reference	MB 81 PG 61&62
Instrument Date	Nov 18, 2025
Instrument	2025327265
Transaction Type	Transfer
Record Updated	Dec 16, 2025
Title Company	SEMINOLE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,305.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14454 N 99TH ST, SCOTTSDALE, AZ 85260-3836

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8240 ACADIAN LN, SEMINOLE, FL 33777-4455

Mortgage

Document Number	0233661181
Date	Nov 20, 2025
Instrument	23366/1181

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10857 97TH ST, LARGO, FL 33773-4444
Transaction Type	Mortgage
Record Updated	Aug 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10857 97TH ST, LARGO, FL 33773-4444

Mortgage

Document Number	0213621946
Date	Jan 28, 2021
Book Page	21362/1946
Instrument	2021028397

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 10857 97th St was $3,984, up 7% from the year before.

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	$3,984.00 (+7.01%)	$247,956 (+2.9%)	$435,282 (+0.98%) Land $158,143 Building $277,139
2024	$3,723.00 (+2.82%) Homeowner's exemption	$240,968 (+3%)	$431,054 (-4.78%) Land $190,683 Building $240,371
2023	$3,621.00 (+2.84%) Homeowner's exemption	$233,950 (+3%)	$452,698 (+35.63%) Land $227,597 Building $225,101
2022	$3,521.00 Homeowner's exemption	$227,136	$333,762 Land $159,406 Building $174,356

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 10857 97th St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 10857 97th St 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 216 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
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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