12196 145th St, Largo, FL 33774 Property Records

Pinellas County property record for 12196 145th St, Largo, FL 33774

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,890 sqft · built 1972
Lot Size	0.189 acres (8,233 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Aug 2026)
Tax Bill	$5,326 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-6436-2`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-6436-2`
Alternative APNs	`07-30-15-99558-006-0010` `301507995580060010` `153007995580060010` `R76367`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,890 sqft Living Area
Gross Area	2,710 sqft
1st Floor Area	1,890 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2000
Architectural Style	Custom Design
Exterior Material	Brick/Concrete Block Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,233 sqft (0.189 acres)
Lot Dimensions	103 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	292 sqft
Deck Area	256 sqft
Patio Area	256 sqft
Shed	1 Shed
Shed Area	49 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R76367
Street Address	12196 145TH ST
City	LARGO
State	FL
Zip	33774-3353
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	YELLOW BANKS GROVE 4TH ADD BLK F, LOT 1
Legal Range	15E
Legal Township	30S
Legal Section	7
Legal Subdivision	YELLOW BANKS GROVE 4TH ADD
Legal Tract	99558
Legal Block	F
Legal Lot Number	1
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1006
Census Tract	25208

Owner

12196 145th St is owned and occupied by two individuals who bought it in August 2026.

Source: Pinellas County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12196 145TH ST, LARGO, FL 33774-3353
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST MORTGAGE SOLUTIONS LLC
Mar 22, 2019	Warranty Deed, Transfer ACHIEVA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2026 · Amount on File
Deed Sale	Aug 17, 2026 · Amount on File
Prior Sale	Mar 22, 2019 · Amount on File
Deed Document Number	2026220422
Deed Book / Page	23664 / 1684
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Aug 17, 2026
Property Address	12196 145TH ST, LARGO, FL 33774-3353
Document Number	0000220422
Book / Page	23664 / 1684
Instrument Date	Aug 14, 2026
Instrument	2026220422
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	ORCHARD TITLE, ORCHARD TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$378,245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12196 145TH ST, LARGO, FL 33774-3353

Mortgage

Document Number	0000220423,
Date	Aug 17, 2026
Instrument	2026220423

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12196 145TH ST, LARGO, FL 33774-3353
Transaction Type	Mortgage
Record Updated	Jul 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12196 145TH ST, LARGO, FL 33774-3353

Mortgage

Document Number	0215750199
Date	Jun 10, 2021
Book Page	21575/199
Instrument	2021191846

Lender

Name	FIRST MORTGAGE SOLUTIONS LLC
Type	Mortgage Company
Address	KANSAS CITY, MO 64114

Agreement

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

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Mar 22, 2019
Property Address	12196 145TH ST, LARGO, FL 33774-3353
Document Number	0204710074
Book / Page	020471 / 000074
Instrument Date	Mar 15, 2019
Instrument	88719
Transaction Type	Transfer
Record Updated	Apr 4, 2019
Title Company	SEMINOLE TITLE COMPANY, SEMINOLE TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12196 145TH ST LARGO FL 337743353, LARGO, FL 33774-3353

Mortgage

Document Number	204710075
Date	Mar 22, 2019
Book Page	020471/000075
Instrument	88720

Lender

Name	ACHIEVA CU
Type	Credit Union
Address	DUNEDIN, FL 34698

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 21, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 12196 145th St was $5,326.

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,326.00	$322,746	$487,375 Land $181,667 Building $305,708
2023	$4,961.00 (+2.86%) Homeowner's exemption	$304,515 (+3%)	$444,862 (+10.01%) Land $206,233 Building $238,629
2022	$4,823.00 Homeowner's exemption	$295,646	$404,388 Land $210,019 Building $194,369

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

Flood

FEMA maps place 12196 145th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 37 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	149 units insured incl. 112 condo units
Nearby Flood Claims	5 (1992–2024)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Sep 2024 · Hurricane Helene

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

Wildfire risk around 12196 145th St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% 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.

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 236 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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