Pinellas County property record for 11874 85th St, Largo, FL 33773
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,036 sqft · built 2004 |
| Lot Size | 0.276 acres (12,001 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $610,000 (Jul 2026) |
| Tax Bill | $5,540 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Dec 2022 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-779-9638-7 |
| Primary APN | C62-000-779-9638-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,036 sqft Living Area |
| Gross Area | 3,157 sqft |
| 1st Floor Area | 2,036 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 12,001 sqft (0.276 acres) |
| Lot Dimensions | 200 ft deep x 60 ft wide |
| View / Lot | Pond |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
|---|---|
| Porch Area | 721 sqft |
| Deck Area | 504 sqft |
| Patio Area | 504 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R412488 |
|---|---|
| Street Address | 11874 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 4 |
| Legal Range | 15E |
| Legal Township | 30S |
| Legal Section | 12 |
| Legal Subdivision | SOMERSET LAKE ESTATES |
| Legal Tract | 83910 |
| Legal Lot Number | 4 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 25011 |
Source: Pinellas County records, as of September 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 11874 85TH ST, LARGO, FL 33773-2715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 10, 2026 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 2, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage THIRD FSLA OF CLEVELAND |
| Apr 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Jun 19, 2018 | Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 10, 2026 · Amount on Record |
| Deed Sale | Jul 10, 2026 · Amount on Record |
| Prior Sale | Jun 19, 2018 · Amount on Record |
| Deed Document Number | 2026184307 |
| Deed Book / Page | 23622 / 1875 |
| Prior Transfer Date | Sep 10, 2015 |
| Prior Transfer Doc | 0189161702 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Jul 10, 2026 |
| Property Address | 11874 85TH ST, LARGO, FL 33773-2715 |
| Document Number | 0000184307 |
| Book / Page | 23622 / 1875 |
| Instrument Date | Jul 8, 2026 |
| Instrument | 2026184307 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2026 |
| Title Company | PINELLAS PARK TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $431,270.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11874 85TH ST, LARGO, FL 33773-2715 |
| Document Number | 0000184308, |
|---|---|
| Date | Jul 10, 2026 |
| Instrument | 2026184308 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 11874 85TH ST, LARGO, FL 33773-2715 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0222800663 |
|---|---|
| Date | Dec 2, 2022 |
| Book Page | 22280/663 |
| Instrument | 2022346907 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 22, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 11874 85TH ST, LARGO, FL 33773-2715 |
| Document Number | 0209621541 |
| Instrument Date | Apr 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2020 |
| Title Company | PINELLAS PARK TITLE |
| Name | Verified Name |
|---|---|
| Address | 11874 85TH ST LARGO FL 337732715, LARGO, FL 33773-2715 |
| Document Number | 0209621541 |
|---|---|
| Date | Apr 13, 2020 |
| Book Page | 020962/001541 |
| Instrument | 121475 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 12, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Jun 19, 2018 |
| Property Address | 11874 85TH ST, LARGO, FL 33773-2715 |
| Document Number | 0200950993 |
| Book / Page | 20095 / 0993 |
| Map Reference | MB 126 PG 38&39 |
| Instrument Date | Jun 15, 2018 |
| Instrument | 2018194268 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | PINELLAS PARK TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,135.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11874 85TH ST, 11874, LARGO, FL 33773-2715 |
| Name | Verified Name |
|---|---|
| Address | 11874 85TH ST, LARGO, FL 33773-2715 |
| Document Number | 2018194269 |
|---|---|
| Date | Jun 19, 2018 |
| Instrument | 2018194269 |
| Name | HOMEOWNERS FINANCIAL GROUP USA LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2048 |
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 | $5,540.00 (+7.09%) | $344,528 (+5.99%) | $522,012 (+5.64%) Land $136,869 Building $385,143 |
| 2024 | $5,173.00 (+1.53%) | ||
| 2023 | $5,095.00 (+2.45%) Homeowner's exemption | $325,066 (+3%) | $494,140 (+20.53%) Land $194,214 Building $299,926 |
| 2022 | $4,973.00 Homeowner's exemption | $315,598 | $409,982 Land $179,366 Building $230,616 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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.
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 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 |
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