Pinellas County property record for 10977 106th St, Largo, FL 33773
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,256 sqft · built 1956 |
| Lot Size | 0.142 acres (6,203 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $73,000 (Mar 2016) |
| Tax Bill | $718 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Jan 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-750-6898-1 |
| Primary APN | C62-000-750-6898-1 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,256 sqft Living Area |
| Gross Area | 1,607 sqft |
| 1st Floor Area | 1,256 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,203 sqft (0.142 acres) |
| Lot Dimensions | 102 ft deep x 61 ft wide |
| Porch | Screened/Unfinished Porch |
|---|---|
| Porch Area | 266 sqft |
| Deck Area | 280 sqft |
| Patio Area | 280 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R164202 |
|---|---|
| Street Address | 10977 106TH ST |
| City | LARGO |
| State | FL |
| Zip | 33773-3916 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEMINOLE GARDENS LOT 59 |
| Legal Range | 15E |
| Legal Township | 30S |
| Legal Section | 15 |
| Legal Subdivision | SEMINOLE GARDENS |
| Legal Tract | 79686 |
| Legal Lot Number | 59 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | BOCA CIEGA |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 25114 |
10977 106th St is owned and occupied by two individuals who bought it in March 2016.
Source: Pinellas County records, as of December 2, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10977 106TH ST, LARGO, FL 33773-3916 |
| 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.
| Date | Document |
|---|---|
| Feb 26, 2024 | Deed of Trust, Mortgage · Conventional Mortgage GROW FINANCIAL FCU |
| Jan 13, 2020 | Deed of Trust, Mortgage · Line of Credit GROW FINANCIAL FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2016 · Amount on File |
| Deed Sale | Mar 1, 2016 · Amount on File |
| Prior Sale | Jul 1, 2004 · Amount on File |
| Deed Document Number | 201661285 |
| Deed Book / Page | 19102 / 1335 |
| Prior Transfer Date | Feb 15, 2016 |
| Prior Transfer Doc | 0191021335 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 10977 106TH ST, LARGO, FL 33773-3916 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2024 |
| Title Company | SEMINOLE TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 10977 106TH ST, LARGO, FL 33773-3916 |
| Document Number | 0227151046 |
|---|---|
| Date | Feb 26, 2024 |
| Book Page | 22715/1046 |
| Instrument | 2024047553 |
| Name | GROW FINANCIAL FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33619 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Mar 1, 2034 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 7.87% |
| Index | 1-Year T-Bill |
| Max Rate | 10.8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 10977 106TH ST, LARGO, FL 33773-3916 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0208422283 |
|---|---|
| Date | Jan 13, 2020 |
| Book Page | 20842/2283 |
| Instrument | 2020013063 |
| Name | GROW FINANCIAL FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33619 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 1, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 10977 106th St was $718 with a homeowner's exemption, up 6.8% 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 | $718.00 (+6.85%) Homeowner's exemption | $66,316 | $252,032 Land $104,181 Building $147,851 |
| 2024 | $672.00 (+1.36%) | ||
| 2023 | $663.00 (+1.69%) Homeowner's exemption | $62,570 (+3%) | $164,236 (+9.51%) Land $121,942 Building $42,294 |
| 2022 | $652.00 Homeowner's exemption | $60,748 | $149,967 Land $116,091 Building $33,876 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10977 106th St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.
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 81 individual policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 129 units insured incl. 48 condo units |
| Nearby Flood Claims | 5 (1979–2024) |
| Claims Outside the SFHA | 3 of 5 |
| 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 10977 106th St 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 888 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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