11531 Oval Dr W, Largo, FL 33774 Property Records

Pinellas County property record for 11531 Oval Dr W, Largo, FL 33774

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,296 sqft · built 1961
Lot Size	0.237 acres (10,341 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Feb 2020)
Tax Bill	$4,354 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-750-9270-0`

Property Details

APN / Parcel Number

Primary APN	`C62-000-750-9270-0`
Alternative APNs	`17-30-15-42894-002-0050` `301517428940020050` `153017428940020050` `R181687`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,296 sqft Living Area
Gross Area	1,837 sqft
1st Floor Area	1,296 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1987
Architectural Style	H-Shape
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,341 sqft (0.237 acres)
Lot Dimensions	133 ft deep x 77 ft wide
Garage Type	Attached
Garage Area	325 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	216 sqft
Deck Area	132 sqft
Patio Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R181687
Street Address	11531 OVAL DR W
City	LARGO
State	FL
Zip	33774-4110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN ROCKS HIGHLANDS BLK B, LOT 5
Legal Range	15E
Legal Township	30S
Legal Section	17
Legal Subdivision	INDIAN ROCKS HIGHLANDS
Legal Tract	42894
Legal Block	B
Legal Lot Number	5
Jurisdiction	PINELLAS FL
Township / Civil Division	BOCA CIEGA
Census Block Group	3
Census Block	3006
Census Tract	25119

Owner

11531 Oval Dr W is owned and occupied by an individual who bought it in February 2020.

Source: Pinellas County records, as of September 10, 2026

Owner of Record	Individual Name on File
Mailing Address	11531 OVAL DR W, LARGO, FL 33774-4110
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Feb 10, 2020	Warranty Deed, Transfer · FHA Mortgage NATIONS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2020 · Amount on File
Deed Sale	Feb 10, 2020 · Amount on File
Prior Sale	Oct 25, 2010 · Amount on File
Deed Document Number	202044078
Deed Book / Page	20876 / 2551
Prior Transfer Date	May 28, 2010
Prior Transfer Doc	0169450926
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	11531 OVAL DR W, LARGO, FL 33774-4110
Transaction Type	Mortgage
Record Updated	Feb 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11531 OVAL DR W, LARGO, FL 33774-4110

Mortgage

Document Number	0213691606
Date	Feb 2, 2021
Book Page	21369/1606
Instrument	2021033437

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Mar 1, 2050

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Feb 10, 2020
Property Address	11531 OVAL DR W, LARGO, FL 33774-4110
Document Number	0208762551
Book / Page	020876 / 002551
Instrument Date	Feb 7, 2020
Instrument	44078
Transaction Type	Transfer
Record Updated	Mar 6, 2020
Title Company	COASTLINE TITLE/PINELLAS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11531 OVAL DR W LARGO FL 337744110, LARGO, FL 33774-4110

Mortgage

Document Number	208762553
Date	Feb 10, 2020
Book Page	020876/002553
Instrument	44079

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 9, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 11531 Oval Dr W was $4,354 with a homeowner's exemption, down 16% from the year before.

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	$4,354.00 (-15.99%) Homeowner's exemption	$271,542 Land $133,146 Building $138,396	$271,542 Land $133,146 Building $138,396
2024	$5,183.00 (+8.32%)
2023	$4,785.00 (+10.56%)	$275,372 (+13.68%)	$275,372 (+13.68%) Land $170,316 Building $105,056
2022	$4,328.00	$242,232	$242,232 Land $158,873 Building $83,359

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

Flood

FEMA maps place 11531 Oval Dr W in Zone X, an area of minimal flood risk, though there have been 29 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 121 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	121 in force
Nearby Flood Claims	29 (1979–2024)
Claims Outside the SFHA	28 of 29
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 16 claims

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

Wildfire risk around 11531 Oval Dr W is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% 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 345 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 · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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