11297 121st Ter, Largo, FL 33778 Property Records

Pinellas County property record for 11297 121st Ter, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,683 sqft · built 1976
Lot Size	0.193 acres (8,398 sqft)
Owner	2 Individual Names on Record
Last Sale	$155,000 (Jan 2011)
Tax Bill	$2,113 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jun 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-8931-0`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-8931-0`
Alternative APNs	`09-30-15-74880-004-0010` `301509748800040010` `153009748800040010` `R102190`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,683 sqft Living Area
Gross Area	2,336 sqft
1st Floor Area	1,683 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1988
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,398 sqft (0.193 acres)
Lot Dimensions	105 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open/Unfinished Porch
Porch Area	213 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R102190
Street Address	11297 121ST TER
City	LARGO
State	FL
Zip	33778-2624
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	RIDGE GROVE ESTATES BLK 4, E 80 FT OF LOT 1 AND S 1/2 OF E 80 FT OF LOT 2
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	RIDGE GROVE ESTATES
Legal Tract	74880
Legal Block	4
Legal Lot Number	1,2
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	3
Census Block	3010
Census Tract	25311

Owner

Source: Pinellas County records, as of December 2, 2025

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	11297 121ST TER, LARGO, FL 33778-2624
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
Jun 15, 2023	Deed of Trust, Mortgage · Line of Credit REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2011 · Amount on Record
Deed Sale	Jan 18, 2011 · Amount on Record
Prior Sale	Oct 28, 2005 · Amount on Record
Deed Document Number	201113660
Deed Book / Page	17145 / 528
Prior Transfer Date	Jan 7, 2011
Prior Transfer Doc	0171450527
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	11297 121ST TER, LARGO, FL 33778-2624
Transaction Type	Mortgage
Record Updated	Mar 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11297 121ST TER, LARGO, FL 33778-2624

Mortgage

Document Number	0216562484
Date	Aug 4, 2021
Book Page	21656/2484
Instrument	2021255066

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2041

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	11297 121ST TER, LARGO, FL 33778-2624
Transaction Type	Mortgage
Record Updated	Mar 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11297 121ST TER, LARGO, FL 33778-2624

Mortgage

Document Number	0224742100
Date	Jun 15, 2023
Book Page	22474/2100
Instrument	2023156094

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,113.00 (+5.28%) Homeowner's exemption	$150,513 (+5.99%)	$339,771 (+9.29%) Land $147,945 Building $191,826
2024	$2,007.00 (+1.57%)
2023	$1,976.00 (+2.07%) Homeowner's exemption	$142,011 (+3%)	$310,885 (+12.42%) Land $158,630 Building $152,255
2022	$1,936.00 Homeowner's exemption	$137,875	$276,533 Land $159,843 Building $116,690

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	3 (2012–2024)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton

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	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.

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 709 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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