11892 85th St, Largo, FL 33773 Property Records

Pinellas County property record for 11892 85th St, Largo, FL 33773

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,765 sqft · built 2004
Lot Size	0.276 acres (12,001 sqft)
Owner	2 Individual Names on File
Last Sale	$266,000 (Jan 2005)
Tax Bill	$2,650 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`C62-000-779-9639-5`

Property Details

APN / Parcel Number

Primary APN	`C62-000-779-9639-5`
Alternative APNs	`12-30-15-83910-000-0050` `301512839100000050` `R412489`

Interior

Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,765 sqft Living Area
Gross Area	2,384 sqft
1st Floor Area	1,765 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
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	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	199 sqft
Deck Area	974 sqft
Patio Area	974 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R412489
Street Address	11892 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 5
Legal Range	15E
Legal Township	30S
Legal Section	12
Legal Subdivision	SOMERSET LAKE ESTATES
Legal Tract	83910
Legal Lot Number	5
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2016
Census Tract	25011

Owner

Source: Pinellas County records · APN C62-000-779-9639-5

Assessment roll updated December 2, 2025 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	11892 85TH ST, LARGO, FL 33773-2715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 03, 2005 · Amount on Record
Deed Sale	Jan 03, 2005 · Amount on Record
Prior Sale	Dec 30, 1994 · Amount on Record
Deed Document Number	2005390
Deed Book / Page	14037 / 836
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Recording Date	Apr 20, 2026
Property Address	11892 85TH ST, LARGO, FL 33773-2715
Document Number	0000106008
Book / Page	23530 / 1150
Instrument Date	Mar 23, 2026
Instrument	2026106008
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11892 85TH ST, LARGO, FL 33773-2715
Investor	Possibly a Property Investor

Mortgage

Document Number	0000106008,
Date	Apr 20, 2026
Book Page	23530/1150
Instrument	2026106008

Lender

Name	PINNACLE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 23, 2056

Interest

Rate	6.01%
Max Rate	-1%

Tax Assessment & Valuation

Source: Pinellas County records · Assessment roll updated December 2, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

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	$2,650.00 (+7.51%) Homeowner's exemption	$182,625 (+5.99%)	$454,953 (+4.01%) Land $137,003 Building $317,950
2024	$2,465.00 (+2.07%)
2023	$2,415.00 (+2.99%) Homeowner's exemption	$172,309 (+3%)	$437,433 (+19.24%) Land $192,916 Building $244,517
2022	$2,345.00 Homeowner's exemption	$167,290	$366,842 Land $178,144 Building $188,698

Flood & Wildfire

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

Flood

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	Hurricane Milton, Oct 2024 · 2 claims

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 USA Fixed Wireless	100 / 20

Based on FCC filings for 133 locations within half a mile of this property.

Drinking Water

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

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 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.