10862 109th Ln, Largo, FL 33778 Property Records

Pinellas County property record for 10862 109th Ln, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,378 sqft · built 1959
Lot Size	0.164 acres (7,139 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,369 (2025)
Deeds & Mortgages	Aug 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-750-6562-3`

Property Details

APN / Parcel Number

Primary APN	`C62-000-750-6562-3`
Alternative APNs	`15-30-15-69282-000-0070` `301515692820000070` `R163864`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,378 sqft Living Area
Gross Area	1,811 sqft
1st Floor Area	1,378 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1989
Architectural Style	H-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,139 sqft (0.164 acres)
Lot Dimensions	115 ft deep x 62 ft wide
Garage Type	Attached
Garage Area	325 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	411 sqft
Deck Area	108 sqft
Patio Area	108 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R163864
Street Address	10862 109TH LN
City	LARGO
State	FL
Zip	33778-4048
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	PINE GROVE ESTATES LOT 7
Legal Range	15E
Legal Township	30S
Legal Section	15
Legal Subdivision	PINE GROVE ESTATES
Legal Tract	69282
Legal Lot Number	7
Jurisdiction	PINELLAS FL
Township / Civil Division	BOCA CIEGA
Census Block Group	1
Census Block	1004
Census Tract	25114

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	10862 109TH LN, LARGO, FL 33778-4048
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 1, 2024
Transfer Doc	0228400943
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Recording Date	Aug 25, 2026
Property Address	10862 109TH LN, LARGO, FL 33778-4048
Document Number	0000228201
Book / Page	23672 / 2415
Instrument Date	Aug 18, 2026
Instrument	2026228201
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10862 109TH LN, LARGO, FL 33778-4048

Mortgage

Document Number	0000228201,
Date	Aug 25, 2026
Book Page	23672/2415
Instrument	2026228201

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

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	$4,369.00 (+6.28%) Homeowner's exemption	$275,778 (+163.25%) Land $119,708 Building $156,070	$275,778 (+4.3%) Land $119,708 Building $156,070
2024	$4,111.00 (+259.98%)
2023	$1,142.00 (-2.73%) Homeowner's exemption Widower's exemption	$104,758 (+3%)	$264,404 (+11.24%) Land $141,720 Building $122,684
2022	$1,174.00 Homeowner's exemption Widower's exemption	$101,707	$237,688 Land $141,298 Building $96,390

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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