11961 103rd St, Largo, FL 33773 Property Records

Pinellas County property record for 11961 103rd St, Largo, FL 33773

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,482 sqft · built 1955
Lot Size	0.319 acres (13,891 sqft)
Owner	2 Individual Names on File
Last Sale	$515,000 (Sep 2023)
Tax Bill	$6,974 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2023 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-750-0452-3`

Property Details

APN / Parcel Number

Primary APN	`C62-000-750-0452-3`
Alternative APNs	`10-30-15-64314-011-0140` `301510643140110140` `153010643140110140` `R114042`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,482 sqft Living Area
1st Floor Area	1,482 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1990
Architectural Style	H-Shape
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	13,891 sqft (0.319 acres)
Lot Dimensions	112 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	1,160 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Deck Area	600 sqft
Patio Area	600 sqft
Shed	1 Shed
Shed Area	140 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R114042
Street Address	11961 103RD ST
City	LARGO
State	FL
Zip	33773-2316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	ORANGE LAKE VILLAGE BLK 11, LOTS 14 AND 15
Legal Range	15E
Legal Township	30S
Legal Section	10
Legal Subdivision	ORANGE LAKE VILLAGE
Legal Tract	64314
Legal Block	11
Legal Lot Number	14,15
Jurisdiction	PINELLAS FL
Township / Civil Division	BOCA CIEGA
Census Block Group	1
Census Block	1020
Census Tract	25115

Owner

11961 103rd St is owned and occupied by two individuals who bought it in September 2023.

Source: Pinellas County records, as of September 14, 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 File
Mailing Address	11961 103RD ST, LARGO, FL 33773-2316
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Sep 14, 2023	Warranty Deed, Transfer · FHA Mortgage BELL BANK
Nov 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
May 13, 2019	Warranty Deed, Transfer · Conventional Mortgage NFM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2023 · Amount on File
Deed Sale	Sep 14, 2023 · Amount on File
Prior Sale	May 13, 2019 · Amount on File
Deed Document Number	2023236664
Deed Book / Page	22563 / 2410
Prior Transfer Date	Sep 11, 2012
Prior Transfer Doc	0181661122
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Recording Date	Aug 10, 2026
Property Address	11961 103RD ST, LARGO, FL 33773-2316
Document Number	0000214120
Book / Page	23657 / 2290
Instrument Date	Jun 29, 2026
Instrument	2026214120
Transaction Type	Mortgage
Record Updated	Aug 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11961 103RD ST, LARGO, FL 33773-2316

Mortgage

Document Number	0000214120,
Date	Aug 10, 2026
Book Page	23657/2290
Instrument	2026214120

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	326 Months
Due	Oct 1, 2053

Interest

Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 14, 2023
Property Address	11961 103RD ST, LARGO, FL 33773-2316
Document Number	0225632410
Book / Page	22563 / 2410
Map Reference	MB 36 PG 65-67
Instrument Date	Sep 7, 2023
Instrument	2023236664
Transaction Type	Transfer
Record Updated	Sep 25, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,605.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 222, FAIRFIELD, IA 52556-0004

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11961 103RD ST, LARGO, FL 33773-2316

Mortgage

Document Number	0225632412
Date	Sep 14, 2023
Instrument	22563/2412

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	11961 103RD ST, LARGO, FL 33773-2316
Transaction Type	Mortgage
Record Updated	Dec 15, 2021
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11961 103RD ST, LARGO, FL 33773-2316

Mortgage

Document Number	0218251117
Date	Nov 30, 2021
Book Page	21825/1117
Instrument	2021385893

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	11961 103RD ST, LARGO, FL 33773-2316
Transaction Type	Mortgage
Record Updated	Dec 10, 2021
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11961 103RD ST, LARGO, FL 33773-2316

Mortgage

Document Number	0218142264
Date	Nov 19, 2021
Book Page	21814/2264
Instrument	2021378133

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	11961 103RD ST, LARGO, FL 33773-2316
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0198291428
Date	Nov 3, 2017
Book Page	19829/1428
Instrument	2017336644

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	ATLANTA, GA 30326

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	11961 103RD ST, LARGO, FL 33773-2316
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0209881920
Date	May 4, 2020
Book Page	20988/1920
Instrument	2020142148

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	May 13, 2019
Property Address	11961 103RD ST, LARGO, FL 33773-2316
Document Number	0205352191
Book / Page	020535 / 002191
Instrument Date	Apr 30, 2019
Instrument	149501
Transaction Type	Transfer
Record Updated	May 30, 2019
Title Company	TAMPA BAY TITLE COMPANY, TAMPA BAY TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,841.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11961 103RD ST LARGO FL 337732316, LARGO, FL 33773-2316

Mortgage

Document Number	205352193
Date	May 13, 2019
Book Page	020535/002193
Instrument	149502

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 12, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 11961 103rd St was $6,974 with exemptions applied, up 7% from the year before.

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	$6,974.00 (+7.01%) Homeowner's exemption Widower's exemption	$423,017	$435,216 Land $165,682 Building $269,534
2024	$6,517.00 (+73.88%)
2023	$3,748.00 (+2.66%) Homeowner's exemption	$246,608 (+3%)	$375,611 (+14.45%) Land $191,673 Building $183,938
2022	$3,651.00 Homeowner's exemption	$239,425	$328,178 Land $182,974 Building $145,204

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 11961 103rd St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1983.

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 49 individual policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	241 units insured incl. 192 condo units
Nearby Flood Claims	6 (1983–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton

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

The area around 11961 103rd St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 334 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	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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