11820 85th St, Largo, FL 33773 Property Records

Pinellas County property record for 11820 85th St, Largo, FL 33773

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,525 sqft · built 2006
Lot Size	0.281 acres (12,240 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Feb 2019)
Tax Bill	$5,865 (2025)
Deeds & Mortgages	Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-779-9635-3`

Property Details

APN / Parcel Number

Primary APN	`C62-000-779-9635-3`
Alternative APNs	`12-30-15-83910-000-0010` `301512839100000010` `R412485`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,525 sqft Living Area
Gross Area	3,077 sqft
1st Floor Area	1,520 sqft
Upper Floors Area	1,005 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	12,240 sqft (0.281 acres)
Lot Dimensions	200 ft deep x 62 ft wide
View / Lot	Pond
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	90 sqft
Deck Area	144 sqft
Patio Area	144 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R412485
Street Address	11820 85TH ST
City	LARGO
State	FL
Zip	33773-2715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	SOMERSET LAKE ESTATES LOT 1
Legal Range	15E
Legal Township	30S
Legal Section	12
Legal Subdivision	SOMERSET LAKE ESTATES
Legal Tract	83910
Legal Lot Number	1
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2016
Census Tract	25011

Owner

11820 85th St is owned and occupied by two individuals who bought it in February 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	11820 85TH ST, LARGO, FL 33773-2715
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2019 · Amount on File
Deed Sale	Feb 15, 2019 · Amount on File
Prior Sale	Aug 1, 2008 · Amount on File
Deed Document Number	201951859
Deed Book / Page	20432 / 1512
Prior Transfer Date	Apr 10, 2008
Prior Transfer Doc	0162312137
Record Updated	Oct 29, 2026

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Feb 15, 2019
Property Address	11820 85TH ST, LARGO, FL 33773-2715
Document Number	0204321512
Book / Page	20432 / 1512
Map Reference	MB 126 PG 38&39
Instrument Date	Feb 15, 2019
Instrument	2019051859
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	FIDELITY NATIONAL TITLE OF F

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11820 85TH ST, LARGO, FL 33773-2715

Mortgage

Document Number	2019051860
Date	Feb 15, 2019
Instrument	2019051860

Lender

Name	GTE FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 11820 85th St was $5,865 with a homeowner's exemption.

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	$5,865.00 Homeowner's exemption	$362,713	$591,954 Land $146,955 Building $444,999
2023	$5,396.00 (+2.41%) Homeowner's exemption	$342,224 (+3%)	$612,425 (+24.16%) Land $199,088 Building $413,337
2022	$5,269.00 Homeowner's exemption	$332,256	$493,249 Land $180,109 Building $313,140

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

Flood

FEMA maps place 11820 85th St in Zone X, an area of minimal flood risk, though there have been 8 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 39 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	8 (1979–2024)
Claims Outside the SFHA	7 of 8
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 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 11820 85th St 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 99.1% of the US · lower than 98.7% 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 133 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
T-Mobile Fixed Wireless	100 / 20