Pinellas County property record for 10974 103rd Ave, Largo, FL 33778
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,075 sqft · built 1960 |
| Lot Size | 0.207 acres (8,995 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $112,000 (Dec 2009) |
| Tax Bill | $1,102 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Nov 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-750-5216-7 |
| Primary APN | C62-000-750-5216-7 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,075 sqft Living Area |
| Gross Area | 1,599 sqft |
| 1st Floor Area | 1,075 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | H-Shape |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Built-Up Asphalt |
| Lot Area | 8,995 sqft (0.207 acres) |
| Lot Dimensions | 93 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 212 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R162518 |
|---|---|
| Street Address | 10974 103RD AVE |
| City | LARGO |
| State | FL |
| Zip | 33778-4010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | GOLDEN GROVES UNIT 6 LOT 22 |
| Legal Range | 15E |
| Legal Township | 30S |
| Legal Section | 15 |
| Legal Subdivision | GOLDEN GROVES UNIT 6 |
| Legal Tract | 31644 |
| Legal Lot Number | 22 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | BOCA CIEGA |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 25114 |
Source: Pinellas County records, as of December 2, 2025
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 10974 103RD AVE, LARGO, FL 33778-4010 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Nov 27, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2009 · Amount on File |
| Deed Sale | Dec 2, 2009 · Amount on File |
| Deed Document Number | 2009315004 |
| Deed Book / Page | 16764 / 2461 |
| Prior Transfer Date | Dec 31, 2004 |
| Prior Transfer Doc | 0141190708 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 10974 103RD AVE, LARGO, FL 33778-4010 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2024 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0216002200 |
|---|---|
| Date | Jun 28, 2021 |
| Book Page | 21600/2200 |
| Instrument | 2021212416 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 10974 103RD AVE, LARGO, FL 33778-4010 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2024 |
| Name | Verified Name |
|---|---|
| Address | 10974 103RD AVE, LARGO, FL 33778-4010 |
| Document Number | 0226331028 |
|---|---|
| Date | Nov 27, 2023 |
| Book Page | 22633/1028 |
| Instrument | 2023300656 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 15, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $1,102.00 (+8.68%) Homeowner's exemption | $95,297 (+5.99%) | $277,357 (+2.21%) Land $141,593 Building $135,764 |
| 2024 | $1,014.00 (+4.54%) | ||
| 2023 | $970.00 (+4.64%) Homeowner's exemption | $89,914 (+3%) | $271,350 (+12.87%) Land $166,557 Building $104,793 |
| 2022 | $927.00 Homeowner's exemption | $87,295 | $240,417 Land $160,826 Building $79,591 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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