10900 96th St, Largo, FL 33773 Property Records

Pinellas County property record for 10900 96th St, Largo, FL 33773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,594 sqft · built 1986
Lot Size	0.231 acres (10,080 sqft)
Owner	2 Individual Names on File
Last Sale	$299,900 (Feb 2016)
Tax Bill	$4,785 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Nov 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-750-4657-3`

Property Details

APN / Parcel Number

Primary APN	`C62-000-750-4657-3`
Alternative APNs	`14-30-15-97491-000-0050` `301514974910000050` `153014974910000050` `R153064`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,594 sqft Living Area
Gross Area	2,317 sqft
1st Floor Area	1,594 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2001
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,080 sqft (0.231 acres)
Lot Dimensions	140 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	449 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	274 sqft
Deck Area	150 sqft
Patio Area	150 sqft
Shed	1 Shed
Shed Area	96 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R153064
Street Address	10900 96TH ST
City	LARGO
State	FL
Zip	33773-4440
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	WIEKER SUB LOT 5
Legal Range	15E
Legal Township	30S
Legal Section	14
Legal Subdivision	WIEKER SUB
Legal Tract	97491
Legal Lot Number	5
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	3
Census Block	3009
Census Tract	25011

Owner

10900 96th St is owned and occupied by two individuals who bought it in February 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	10900 96TH ST, LARGO, FL 33773-4440
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2022	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Nov 21, 2022	Deed of Trust, Mortgage · ARM THIRD FSLA OF CLEVELAND
Dec 5, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2016 · Amount on File
Deed Sale	Feb 1, 2016 · Amount on File
Prior Sale	Mar 25, 2015 · Amount on File
Deed Document Number	201628377
Deed Book / Page	19068 / 2309
Transfer Doc	9973000823
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10900 96TH ST, LARGO, FL 33773-4440
Transaction Type	Mortgage
Record Updated	Dec 26, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0222811533
Date	Dec 5, 2022
Book Page	22281/1533
Instrument	2022347999

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	349 Months
Due	Jan 14, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10900 96TH ST, LARGO, FL 33773-4440
Transaction Type	Mortgage
Record Updated	Dec 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10900 96TH ST, LARGO, FL 33773-4440

Mortgage

Document Number	0222682109
Date	Nov 21, 2022
Book Page	22268/2109
Instrument	2022336298

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.34%
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	3.34%
Max Rate At Change	7.34%
Index	Prime Rate
Max Rate	11.3%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10900 96TH ST, LARGO, FL 33773-4440
Document Number	0199072100
Instrument Date	Dec 5, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10900 96TH ST LARGO FL 337734440, LARGO, FL 33773-4440

Mortgage

Document Number	0199072100
Date	Jan 12, 2018
Book Page	019907/002100
Instrument	12779

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 11, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 10900 96th St was $4,785 with a homeowner's exemption, up 6.9% 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	$4,785.00 (+6.93%) Homeowner's exemption	$292,223	$453,241 Land $159,296 Building $293,945
2024	$4,475.00 (+2.78%)
2023	$4,354.00 (+2.69%) Homeowner's exemption	$275,716 (+3%)	$471,699 (+34.27%) Land $236,801 Building $234,898
2022	$4,240.00 Homeowner's exemption	$267,685	$351,300 Land $169,131 Building $182,169

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

Flood

FEMA maps place 10900 96th St in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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 10900 96th St is low, with 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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	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 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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