1098 Phyllis Ave, Largo, FL 33771 Property Records

Pinellas County property record for 1098 Phyllis Ave, Largo, FL 33771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,258 sqft · built 1962
Lot Size	0.181 acres (7,867 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,000 (Jun 2026)
Tax Bill	$5,137 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Jun 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-746-9101-5`

Property Details

APN / Parcel Number

Primary APN	`C62-000-746-9101-5`
Alternative APNs	`25-29-15-45378-000-0470` `291525453780000470` `152925453780000470` `R269274`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,258 sqft Living Area
Gross Area	2,178 sqft
1st Floor Area	1,258 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1991
Architectural Style	H-Shape
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,867 sqft (0.181 acres)
Lot Dimensions	105 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	494 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	426 sqft
Deck Area	Deck Area
Patio Area	400 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R269274
Street Address	1098 PHYLLIS AVE
City	LARGO
State	FL
Zip	33771-1222
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEENE GROVES LOT 47
Legal Range	15E
Legal Township	29S
Legal Section	25
Legal Subdivision	KEENE GROVES
Legal Tract	45378
Legal Lot Number	47
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1009
Census Tract	25407

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	2 Individual Names on Record
Mailing Address	1098 PHYLLIS AVE, LARGO, FL 33771-1222
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2022	Deed of Trust, Mortgage · Line of Credit ACHIEVA CU
Jun 4, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 4, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage VAN DYK MORTGAGE CORP
Oct 10, 2017	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2026 · Amount on Record
Deed Sale	Jun 4, 2026 · Amount on Record
Prior Sale	Oct 10, 2017 · Amount on Record
Deed Document Number	2026150071
Deed Book / Page	23581 / 1452
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	1098 PHYLLIS AVE, LARGO, FL 33771-1222
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1098 PHYLLIS AVE, LARGO, FL 33771-1222

Mortgage

Document Number	0223011539
Date	Dec 28, 2022
Book Page	22301/1539
Instrument	2022365147

Lender

Name	ACHIEVA CU
Type	Credit Union
Address	DUNEDIN, FL 34697

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 27, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jun 4, 2026
Property Address	1098 PHYLLIS AVE, LARGO, FL 33771-1222
Document Number	0000150071
Book / Page	23581 / 1452
Instrument Date	Jun 2, 2026
Instrument	2026150071
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	LEGACY TITLE SERVICES, LEGACY TITLE PARTNERS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$346,430.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1098 PHYLLIS AVE, LARGO, FL 33771-1222

Mortgage

Document Number	0000150072,
Date	Jun 4, 2026
Instrument	2026150072

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jun 4, 2026
Property Address	1098 PHYLLIS AVE, LARGO, FL 33771-1222
Document Number	0235811452
Book / Page	23581 / 1452
Instrument Date	Jun 2, 2026
Instrument	2026150071
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	TITLE PARTNERS, LEGACY TITLE PARTNERS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$346,430.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1098 PHYLLIS AVE, LARGO, FL 33771-1222

Mortgage

Document Number	0000150072,
Date	Jun 4, 2026
Instrument	2026150072

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	1098 PHYLLIS AVE, LARGO, FL 33771-1222
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1098 PHYLLIS AVE, LARGO, FL 33771-1222

Mortgage

Document Number	0213000326
Date	Dec 15, 2020
Book Page	21300/326
Instrument	2020376873

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 10, 2017
Property Address	1098 PHYLLIS AVE, LARGO, FL 33771-1222
Document Number	0198010088
Book / Page	19801 / 0088
Map Reference	MB46 PG60
Instrument Date	Oct 6, 2017
Instrument	2017308902
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ACR TITLE GROUP LLLP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,437.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	108 12TH AVE, 108, INDIAN ROCKS BEACH, FL 33785-3726

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1098 PHYLLIS AVE, LARGO, FL 33771-1222

Mortgage

Document Number	2017308903
Date	Oct 10, 2017
Instrument	2017308903

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

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	$5,137.00 (+7.45%)	$312,781 (+6.5%)	$355,969 (+21.2%) Land $121,046 Building $234,923
2024	$4,781.00 (+0.5%)
2023	$4,757.00 (+8.02%) Homeowner's exemption	$293,701 (+21.78%)	$293,701 (+21.78%) Land $144,707 Building $148,994
2022	$4,404.00	$241,166	$241,166 Land $133,203 Building $107,963

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 32 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	32 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2015 · rainfall accumulation

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	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond 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 511 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	1,000 / 1,000

May also be available: Frontier, Verizon.

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