Pinellas County property record for 10939 103rd Ave, Largo, FL 33778
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,498 sqft · built 1970 |
| Lot Size | 0.194 acres (8,446 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (Aug 2023) |
| Tax Bill | $6,642 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-750-5205-0 |
| Primary APN | C62-000-750-5205-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,498 sqft Living Area |
| Gross Area | 2,033 sqft |
| 1st Floor Area | 1,498 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 8,446 sqft (0.194 acres) |
| Lot Dimensions | 130 ft deep x 65 ft wide |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 298 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R162507 |
|---|---|
| Street Address | 10939 103RD AVE |
| City | LARGO |
| State | FL |
| Zip | 33778-4011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | GOLDEN GROVES UNIT 6 LOT 11 |
| Legal Range | 15E |
| Legal Township | 30S |
| Legal Section | 15 |
| Legal Subdivision | GOLDEN GROVES UNIT 6 |
| Legal Tract | 31644 |
| Legal Lot Number | 11 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | BOCA CIEGA |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 25114 |
10939 103rd Ave is owned and occupied by two individuals who acquired it in September 2024.
Source: Pinellas County records, as of September 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10939 103RD AVE, LARGO, FL 33778-4011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
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 |
|---|---|
| Aug 18, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 18, 2021 | Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 18, 2023 · Amount on File |
| Deed Sale | Aug 18, 2023 · Amount on File |
| Prior Sale | Aug 5, 2014 · Amount on File |
| Deed Document Number | 2023215425 |
| Deed Book / Page | 22539 / 2356 |
| Last Transfer Date | Sep 16, 2024 |
| Transfer Doc | 0229321691 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Aug 18, 2023 |
| Property Address | 10939 103RD AVE, SEMINOLE, FL 33778-4011 |
| Document Number | 0225392356 |
| Book / Page | 22539 / 2356 |
| Map Reference | MB 54 PG 80 |
| Instrument Date | Aug 15, 2023 |
| Instrument | 2023215425 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2023 |
| Title Company | PLATINUM NATIONAL TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,660.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1617 W COLLEGE ST, ENTERPRISE, AL 36330-3736 |
| Name | Verified Name |
|---|---|
| Address | 10939 103RD AVE, SEMINOLE, FL 33778-4011 |
| Document Number | 0225392358 |
|---|---|
| Date | Aug 18, 2023 |
| Instrument | 22539/2358 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 10939 103RD AVE, SEMINOLE, FL 33778-4011 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 10939 103RD AVE, SEMINOLE, FL 33778-4011 |
| Document Number | 0217662255 |
|---|---|
| Date | Oct 18, 2021 |
| Book Page | 21766/2255 |
| Instrument | 2021341050 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 1, 2041 |
The 2025 property tax bill for 10939 103rd Ave was $6,642, up 8.2% from the year before.
Source: Pinellas County assessment roll, as of December 2, 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 | $6,642.00 (+8.21%) | $359,526 Land $132,908 Building $226,618 | $359,526 Land $132,908 Building $226,618 |
| 2024 | $6,138.00 (+178.49%) | ||
| 2023 | $2,204.00 (+2.56%) Homeowner's exemption | $160,270 (+2.6%) | $306,314 (+12.09%) Land $155,093 Building $151,221 |
| 2022 | $2,149.00 Homeowner's exemption | $156,211 | $273,275 Land $154,211 Building $119,064 |
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.
FEMA maps place 10939 103rd Ave 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.
The area around 10939 103rd Ave 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.
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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