Pinellas County property record for 10934 109th Ln, Largo, FL 33778
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,380 sqft · built 1959 |
| Lot Size | 0.163 acres (7,126 sqft) |
| Owner | Owner Name on File |
| Last Sale | $76,900 (Nov 1999) |
| Tax Bill | $1,280 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Oct 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-750-6559-9 |
| Primary APN | C62-000-750-6559-9 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,380 sqft Heated Area |
| 1st Floor Area | 1,380 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,126 sqft (0.163 acres) |
| Lot Dimensions | 115 ft deep x 62 ft wide |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 28 sqft |
| Deck Area | 147 sqft |
| Patio Area | 147 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R163861 |
|---|---|
| Old Parcel Number | 153015692820000040 |
| Street Address | 10934 109TH LN |
| City | LARGO |
| State | FL |
| Zip | 33778-4051 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINE GROVE ESTATES LOT 4 |
| Legal Range | 15 |
| Legal Township | 30 |
| Legal Section | 15 |
| Legal Subdivision | PINE GROVE ESTATES |
| Legal Lot Number | 4 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | BOCA CIEGA |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 25114 |
The current owner of 10934 109th Ln bought it in November 1999.
Source: Pinellas County records, as of December 26, 2025
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 10934 109TH LN, LARGO, FL 33778-4051 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Oct 26, 2018 | Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND |
| Sep 8, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 22, 1999 · Amount on File |
| Deed Sale | Nov 22, 1999 · Amount on File |
| Prior Sale | Mar 9, 1994 · Amount on File |
| Deed Document Number | 0107312663 |
| Deed Book / Page | 10731 / 2663 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 10934 109TH LN, LARGO, FL 33778-4051 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0214051425 |
|---|---|
| Date | Feb 25, 2021 |
| Book Page | 21405/1425 |
| Instrument | 2021061383 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 10934 109TH LN, SEMINOLE, FL 33778-4051 |
| Document Number | 0203330630 |
| Instrument Date | Oct 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10934 109TH LN LARGO FL 337784051, LARGO, FL 33778-4051 |
| Document Number | 0203330630 |
|---|---|
| Date | Nov 13, 2018 |
| Book Page | 020333/000630 |
| Instrument | 364806 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 12, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 10934 109TH LN, SEMINOLE, FL 33778-4051 |
| Document Number | 0197750969 |
| Book / Page | 019775 / 000969 |
| Instrument Date | Sep 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10934 109TH LN LARGO FL 337784051, LARGO, FL 33778-4051 |
| Document Number | 0197750969 |
|---|---|
| Date | Sep 18, 2017 |
| Book Page | 019775/000969 |
| Instrument | 285414 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 17, 2037 |
The 2025 property tax bill for 10934 109th Ln was $1,280 with a homeowner's exemption.
Source: Pinellas County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,280.00 Homeowner's exemption | $105,143 | $237,439 Land $118,794 Building $118,645 |
| 2023 | $1,132.00 (+4.14%) Homeowner's exemption | $99,204 (+3%) | $234,237 (+11.93%) Land $138,886 Building $95,351 |
| 2022 | $1,087.00 Homeowner's exemption | $96,315 | $209,265 Land $135,427 Building $73,838 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10934 109th Ln in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1983.
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 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 |
|
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 risk around 10934 109th Ln 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.
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 |
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.
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 |
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