109 Emerald Ln, Largo, FL 33771 Property Records

Pinellas County property record for 109 Emerald Ln, Largo, FL 33771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,243 sqft · built 1955
Lot Size	0.151 acres (6,582 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Oct 2025)
Tax Bill	$2,700 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-748-5586-7`

Property Details

APN / Parcel Number

Primary APN	`C62-000-748-5586-7`
Alternative APNs	`36-29-15-94104-003-0050` `291536941040030050` `152936941040030050` `R395412`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,243 sqft Living Area
Gross Area	1,443 sqft
1st Floor Area	1,243 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2008
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,582 sqft (0.151 acres)
Lot Dimensions	109 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	340 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	200 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R395412
Street Address	109 EMERALD LN
City	LARGO
State	FL
Zip	33771-2624
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	VILLAGE GREEN SUB BLK 3, LOT 5
Legal Range	15E
Legal Township	29S
Legal Section	36
Legal Subdivision	VILLAGE GREEN SUB
Legal Tract	94104
Legal Block	3
Legal Lot Number	5
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1027
Census Tract	25416

Owner

109 Emerald Ln is owned and occupied by an individual who bought it in October 2025.

Source: Pinellas County records, as of October 1, 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	Individual Name on File
Mailing Address	109 EMERALD LN, LARGO, FL 33771-2624
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2025	Warranty Deed, Transfer · FHA Mortgage AMERITRUST MORTGAGE CORP
Sep 15, 2017	Warranty Deed, Transfer · FHA Mortgage PATRIOT LNDG SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2025 · Amount on File
Deed Sale	Oct 10, 2025 · Amount on File
Prior Sale	Sep 15, 2017 · Amount on File
Deed Document Number	2025289453
Deed Book / Page	23322 / 1974
Prior Transfer Date	Dec 14, 2010
Prior Transfer Doc	0171180103
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 10, 2025
Property Address	109 EMERALD LN, LARGO, FL 33771-2624
Document Number	0233221974
Book / Page	23322 / 1974
Map Reference	MB 33 PG 61&62
Instrument Date	Oct 6, 2025
Instrument	2025289453
Transaction Type	Transfer
Record Updated	Nov 3, 2025
Title Company	CAPITAL TITLE SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	202 MOSCATO CIRCLE VINE GROVE, VINE GROVE, KY 40175

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 EMERALD LN, LARGO, FL 33771-2624

Mortgage

Document Number	0233221976
Date	Oct 10, 2025
Instrument	23322/1976

Lender

Name	AMERITRUST MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 15, 2017
Property Address	109 EMERALD LN, LARGO, FL 33771-2624
Document Number	0197710938
Book / Page	019771 / 000938
Instrument Date	Sep 6, 2017
Instrument	281223
Transaction Type	Transfer
Record Updated	Aug 25, 2018
Title Company	FIRST TITLE SOURCE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,253.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	109 EMERALD LN LARGO FL 337712624, LARGO, FL 33771-2624

Mortgage

Document Number	197710940
Date	Sep 15, 2017
Book Page	019771/000940
Instrument	281224

Lender

Name	PATRIOT LNDG SVCS
Address	CARNEGIE, PA 15106

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 109 Emerald Ln was $2,700, up 5.1% 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	$2,700.00 (+5.06%)	$186,826 (+2.9%)	$307,026 (+0.11%) Land $94,427 Building $212,599
2024	$2,570.00 (+0.04%) Homeowner's exemption	$181,561 (+3%)	$306,684 (+5.77%) Land $122,542 Building $184,142
2023	$2,569.00 (+1.62%) Homeowner's exemption	$176,273 (+3%)	$289,961 (+6.22%) Land $120,868 Building $169,093
2022	$2,528.00 Homeowner's exemption	$171,139	$272,970 Land $120,115 Building $152,855

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 109 Emerald Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2024.

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 File median of 17 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	3 (2024)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 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

The area around 109 Emerald Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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 531 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 · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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