Pinellas County property record for 1189 Phyllis Ave, Largo, FL 33771
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,524 sqft · built 1965 |
| Lot Size | 0.228 acres (9,975 sqft) |
| Owner | Individual Name on File |
| Last Sale | $270,000 (Sep 2018) |
| Tax Bill | $4,077 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Apr 2022 Second Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-746-9111-4 |
| Primary APN | C62-000-746-9111-4 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,524 sqft Heated Area |
| 1st Floor Area | 1,524 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Dome |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,975 sqft (0.228 acres) |
| Lot Dimensions | 105 ft deep x 95 ft wide |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Porch | Open Porch |
| Porch Area | 288 sqft |
| Deck Area | 630 sqft |
| Patio Area | 630 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R269284 |
|---|---|
| Old Parcel Number | 152925453780000570 |
| Street Address | 1189 PHYLLIS AVE |
| City | LARGO |
| State | FL |
| Zip | 33771-1221 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KEENE GROVES LOT 57 |
| Legal Range | 15 |
| Legal Township | 29 |
| Legal Section | 25 |
| Legal Subdivision | KEENE GROVES |
| Legal Lot Number | 57 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 25407 |
Source: Pinellas County records · APN C62-000-746-9111-4
Assessment roll updated July 1, 2025 · Last verified January 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1189 PHYLLIS AVE, LARGO, FL 33771-1221 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 03, 2023 | Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE |
| Apr 20, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Apr 06, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Sep 05, 2018 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 15, 2018 | Deed of Trust, Mortgage · FHA Mortgage INTERCONTINENTAL CAP |
| Aug 12, 2017 | Deed of Trust, Mortgage · FHA Mortgage FIRST DIRECT LNDG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 05, 2018 · Amount on Record |
| Deed Sale | Sep 05, 2018 · Amount on Record |
| Prior Sale | Mar 21, 2013 · Amount on Record |
| Deed Document Number | 2018284201 |
| Deed Book / Page | 20193 / 1990 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 1189 PHYLLIS AVE, LARGO, FL 33771-1221 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1189 PHYLLIS AVE, LARGO, FL 33771-1221 |
| Document Number | 0225840474 |
|---|---|
| Date | Oct 03, 2023 |
| Book Page | 22584/474 |
| Instrument | 2023254299 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 1189 PHYLLIS AVE, LARGO, FL 33771-1221 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1189 PHYLLIS AVE, LARGO, FL 33771-1221 |
| Document Number | 0220272494 |
|---|---|
| Date | Apr 20, 2022 |
| Book Page | 22027/2494 |
| Instrument | 2022124673 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 20, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 1189 PHYLLIS AVE, LARGO, FL 33771-1221 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1189 PHYLLIS AVE, LARGO, FL 33771-1221 |
| Document Number | 0214720355 |
|---|---|
| Date | Apr 06, 2021 |
| Book Page | 21472/355 |
| Instrument | 2021111719 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Sep 05, 2018 |
| Property Address | 1189 PHYLLIS AVE, LARGO, FL 33771-1221 |
| Document Number | 0201931990 |
| Book / Page | 20193 / 1990 |
| Map Reference | MB 46 PG 60 |
| Instrument Date | Aug 28, 2018 |
| Instrument | 2018284201 |
| Transaction Type | Transfer |
| Record Updated | Feb 01, 2022 |
| Title Company | COASTLINE TITLE OF PINELLAS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,890.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6400 46TH AVE N # N67, 6400, KENNETH CITY, FL 33709-3138 |
| Name | Verified Name |
|---|---|
| Address | 1189 PHYLLIS AVE, LARGO, FL 33771-1221 |
| Document Number | 2018284202 |
|---|---|
| Date | Sep 05, 2018 |
| Instrument | 2018284202 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 1189 PHYLLIS AVE, LARGO, FL 33771-1221 |
| Document Number | 0200690526 |
| Instrument Date | May 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2018 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Name | Verified Name |
|---|---|
| Address | 1189 PHYLLIS AVE LARGO FL 337711221, LARGO, FL 33771-1221 |
| Document Number | 0200690526 |
|---|---|
| Date | May 30, 2018 |
| Book Page | 020069/000526 |
| Instrument | 170648 |
| Name | INTERCONTINENTAL CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | JERICHO, NY 11753 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 29, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 1189 PHYLLIS AVE, LARGO, FL 33771-1221 |
| Document Number | 0197591705 |
| Book / Page | 019759 / 001705 |
| Instrument Date | Aug 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2017 |
| Name | Verified Name |
|---|---|
| Address | 1189 PHYLLIS AVE LARGO FL 337711221, LARGO, FL 33771-1221 |
| Document Number | 0197591705 |
|---|---|
| Date | Aug 30, 2017 |
| Book Page | 019759/001705 |
| Instrument | 271039 |
| Name | FIRST DIRECT LNDG |
|---|---|
| Address | IRVINE, CA 92618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 29, 2047 |
Source: Pinellas County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Municipality | Largo City |
| Unified School District | Pinellas County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,077.00 (+7.66%) Homeowner's exemption | $256,942 (+5.99%) | $360,260 (+0.71%) Land $140,602 Building $219,658 |
| 2023 | $3,787.00 (+3.02%) Homeowner's exemption | $242,428 (+3%) | $357,709 (+17.35%) Land $171,389 Building $186,320 |
| 2022 | $3,676.00 Homeowner's exemption | $235,367 | $304,815 Land $164,100 Building $140,715 |
Source: FEMA National Flood Hazard Layer as of April 12, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 32 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 32 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2015 · rainfall accumulation |
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Frontier, Verizon.
Based on FCC filings for 511 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | PINELLAS COUNTY UTILITIES serves 506,353 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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