11975 Murray Ave, Largo, FL 33778 Property Records

Pinellas County property record for 11975 Murray Ave, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,793 sqft · built 2004
Lot Size	0.327 acres (14,257 sqft)
Owner	Individual Name on Record
Last Sale	$309,000 (Mar 2018)
Tax Bill	$3,918 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-779-9628-8`

Property Details

APN / Parcel Number

Primary APN	`C62-000-779-9628-8`
Alternative APNs	`09-30-15-00000-430-4830` `R412384`

Interior

Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,793 sqft Heated Area
1st Floor Area	1,793 sqft
Flooring	Carpet

Exterior

Year Built	Built 2004
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,257 sqft (0.327 acres)
Lot Dimensions	190 ft deep x 75 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	460 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R412384
Street Address	11975 MURRAY AVE
City	LARGO
State	FL
Zip	33778-2402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 75FT OF S 658FT OF W 190 FT OF E 1/2 OF SW 1/4 OF SE 1/4 OF SEC 09-30-15
Legal Range	15
Legal Township	30
Legal Section	09
Legal Subdivision	ACREAGE & UNREC
Legal Lot Number	4830
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1060
Census Tract	25307

Owner

Source: Pinellas County records, as of December 26, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	11975 MURRAY AVE, LARGO, FL 33778-2402
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
May 22, 2019	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Mar 13, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2018 · Amount on Record
Deed Sale	Mar 13, 2018 · Amount on Record
Deed Document Number	2018077202
Deed Book / Page	19972 / 2212
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	11975 MURRAY AVE, LARGO, FL 33778-2402
Transaction Type	Mortgage
Record Updated	Mar 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11975 MURRAY AVE, LARGO, FL 33778-2402

Mortgage

Document Number	0216120776
Date	Jul 6, 2021
Book Page	21612/776
Instrument	2021220626

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	11975 MURRAY AVE, SEMINOLE, FL 33778-2402
Document Number	0205562231
Instrument Date	May 22, 2019
Transaction Type	Mortgage
Record Updated	Jun 18, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11975 MURRAY AVE LARGO FL 337782402, LARGO, FL 33778-2402

Mortgage

Document Number	0205562231
Date	May 30, 2019
Book Page	020556/002231
Instrument	169315

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 29, 2049

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Mar 13, 2018
Property Address	11975 MURRAY AVE, SEMINOLE, FL 33778-2402
Document Number	0199722212
Book / Page	019972 / 002212
Instrument Date	Mar 12, 2018
Instrument	77202
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,163.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11975 MURRAY AVE LARGO FL 337782402, LARGO, FL 33778-2402

Mortgage

Document Number	199722214
Date	Mar 13, 2018
Book Page	019972/002214
Instrument	77203

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2048

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of July 1, 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	$3,918.00 (+5.78%) Homeowner's exemption	$252,886 (+5.99%)	$500,294 (+12.06%) Land $94,254 Building $406,040
2023	$3,704.00 (+1.26%) Homeowner's exemption	$238,601 (+3%)	$446,437 (+31.68%) Land $108,514 Building $337,923
2022	$3,658.00 Homeowner's exemption	$231,651	$339,024 Land $98,750 Building $240,274

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

Flood

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 35 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	3 (2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 3 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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 70 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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