Pinellas County property record for 11522 109th St, Largo, FL 33778
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,479 sqft · built 1958 |
| Lot Size | 0.171 acres (7,453 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $135,000 (Jul 2014) |
| Tax Bill | $1,904 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-750-5306-6 |
| Primary APN | C62-000-750-5306-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,479 sqft Living Area |
| 1st Floor Area | 1,479 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 7,453 sqft (0.171 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R162608 |
|---|---|
| Street Address | 11522 109TH ST |
| City | LARGO |
| State | FL |
| Zip | 33778-3214 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | GULF BREEZE ACRES REPLAT BLK D, LOT 6 |
| Legal Range | 15E |
| Legal Township | 30S |
| Legal Section | 15 |
| Legal Subdivision | GULF BREEZE ACRES REPLAT |
| Legal Tract | 34056 |
| Legal Block | D |
| Legal Lot Number | 6 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | BOCA CIEGA |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 25116 |
11522 109th St is owned and occupied by two individuals who bought it in July 2014.
Source: Pinellas County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11522 109TH ST, LARGO, FL 33778-3214 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 11, 2014 · Amount on File |
| Deed Sale | Jul 11, 2014 · Amount on File |
| Prior Sale | Mar 4, 2004 · Amount on File |
| Deed Document Number | 2014195360 |
| Deed Book / Page | 18459 / 793 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 11522 109TH ST, LARGO, FL 33778-3214 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0214761093 |
|---|---|
| Date | Apr 8, 2021 |
| Book Page | 21476/1093 |
| Instrument | 2021115234 |
| Name | HOMEOWNERS FINANCIAL GROUP USA LLC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 11522 109th St was $1,904 with a homeowner's exemption.
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 | $1,904.00 Homeowner's exemption | $142,536 | $260,682 Land $110,669 Building $150,013 |
| 2023 | $1,703.00 (+3.4%) Homeowner's exemption | $134,484 (+3%) | $258,009 (+12.98%) Land $142,202 Building $115,807 |
| 2022 | $1,647.00 Homeowner's exemption | $130,567 | $228,362 Land $139,021 Building $89,341 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11522 109th St in Zone X, an area of minimal flood risk.
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 22 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 22 in force |
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 11522 109th 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 663 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Frontier.
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