10909 127th Ave, Largo, FL 33778 Property Records

Pinellas County property record for 10909 127th Ave, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,742 sqft · built 1973
Lot Size	0.175 acres (7,627 sqft)
Owner	Individual Name on Record
Last Sale	$535,000 (Feb 2026)
Tax Bill	$7,733 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Sep 2023 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-8642-3`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-8642-3`
Alternative APNs	`09-30-15-64739-004-0050` `301509647390040050` `153009647390040050` `R101901`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,742 sqft Living Area
Gross Area	2,465 sqft
1st Floor Area	1,742 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
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	7,627 sqft (0.175 acres)
Lot Dimensions	95 ft deep x 81 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	243 sqft
Deck Area	495 sqft
Patio Area	495 sqft
Shed	1 Shed
Shed Area	77 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R101901
Street Address	10909 127TH AVE
City	LARGO
State	FL
Zip	33778-2110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORANGEWOOD ESTATES SUB SECTION 2 BLK D, LOT 5
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	ORANGEWOOD ESTATES SUB
Legal Tract	64739
Legal Block	D
Legal Lot Number	5
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2008
Census Tract	25311

Owner

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	10909 127TH AVE, LARGO, FL 33778-2110
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Sep 6, 2023	Warranty Deed, Transfer SEMINOLE TITLE COMPANY
Oct 31, 2017	Grant Deed, Transfer ATTORNEY ONLY
Oct 31, 2017	Grant Deed, Transfer ATTORNEY ONLY
Oct 31, 2017	Grant Deed, Transfer ATTORNEY ONLY
Apr 20, 2017	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L/CLEVELAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2026 · Amount on Record
Deed Sale	Feb 17, 2026 · Amount on Record
Prior Sale	Sep 6, 2023 · Amount on Record
Deed Document Number	202642658
Deed Book / Page	23456 / 2076
Transfer Doc	1128001431
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Feb 17, 2026
Property Address	10909 127TH AVE, LARGO, FL 33778-2110
Document Number	0234562076
Book / Page	23456 / 2076
Map Reference	MB 69 PG 18-21
Instrument Date	Feb 17, 2026
Instrument	2026042658
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FIRST TITLE SOURCE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,745.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	539 BAYVIEW DR, TOMS RIVER, NJ 08753-2003

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10909 127TH AVE, LARGO, FL 33778-2110

Mortgage

Document Number	0234562078
Date	Feb 17, 2026
Instrument	23456/2078

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.2%
Type Change Date	Mar 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.2%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.2%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 6, 2023
Property Address	10909 127TH AVE, LARGO, FL 33778-2110
Document Number	0225550674
Book / Page	22555 / 674
Map Reference	MB 69 PG 18-21
Instrument Date	Sep 5, 2023
Instrument	2023229160
Transaction Type	Transfer
Record Updated	Sep 15, 2023
Title Company	SEMINOLE TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$3,745.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11200 102ND AVE # AVE139, AVE139, SEMINOLE, FL 33778-4158

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10909 127TH AVE, LARGO, FL 33778-2110

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 31, 2017
Property Address	10909 127TH AVE, LARGO, FL 33778-2110
Document Number	0198240430
Book / Page	019824 / 000430
Instrument Date	Oct 26, 2017
Instrument	331600
Transaction Type	Transfer
Record Updated	Nov 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,750.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10909 127TH AVE LARGO FL 337782110, LARGO, FL 33778-2110

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 31, 2017
Property Address	10909 127TH AVE, LARGO, FL 33778-2110
Document Number	0198240428
Book / Page	019824 / 000428
Instrument Date	Oct 23, 2017
Instrument	331599
Transaction Type	Transfer
Record Updated	Nov 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10909 127TH AVE LARGO FL 337782110, LARGO, FL 33778-2110

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 31, 2017
Property Address	10909 127TH AVE, LARGO, FL 33778-2110
Document Number	0198240426
Book / Page	019824 / 000426
Instrument Date	Oct 21, 2017
Instrument	331598
Transaction Type	Transfer
Record Updated	Nov 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10909 127TH AVE LARGO FL 337782110, LARGO, FL 33778-2110

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	10909 127TH AVE, LARGO, FL 33778-2110
Document Number	0196111880
Book / Page	019611 / 001880
Instrument Date	Apr 20, 2017
Transaction Type	Mortgage
Record Updated	Jul 5, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10909 127TH AVE LARGO FL 337782110, LARGO, FL 33778-2110

Mortgage

Document Number	0196111880
Date	May 2, 2017
Book Page	019611/001880
Instrument	134442

Lender

Name	THIRD FED'L S&L/CLEVELAND
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Municipality	Largo City
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,733.00 (+5.44%)	$449,507 (+88.87%)	$459,653 (+37.82%) Land $146,928 Building $312,725
2024	$7,334.00 (+98.06%)
2023	$3,703.00 (+3.03%) Homeowner's exemption	$237,994 (+3%)	$333,511 (+13.46%) Land $155,970 Building $177,541
2022	$3,594.00 Homeowner's exemption	$231,062	$293,937 Land $157,999 Building $135,938

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

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 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force

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	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 633 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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