12295 Ridge Rd, Largo, FL 33778 Property Records

Pinellas County property record for 12295 Ridge Rd, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,152 sqft · built 1958
Lot Size	0.149 acres (6,504 sqft)
Owner	Individual Name on Record
Last Sale	$345,000 (Mar 2026)
Tax Bill	$5,305 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage May 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-9109-2`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-9109-2`
Alternative APNs	`09-30-15-94680-001-0050` `301509946800010050` `153009946800010050` `R102368`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,152 sqft Living Area
Gross Area	1,192 sqft
1st Floor Area	1,152 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1991
Architectural Style	H-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,504 sqft (0.149 acres)
Lot Dimensions	100 ft deep x 65 ft wide

Exterior Amenities

Porch	Slab
Porch Area	56 sqft
Deck Area	200 sqft
Patio Area	200 sqft
Gazebo	Gazebo

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R102368
Street Address	12295 RIDGE RD
City	LARGO
State	FL
Zip	33778-2517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	WALSINGHAM HEIGHTS BLK 1, LOT 5
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	WALSINGHAM HEIGHTS
Legal Tract	94680
Legal Block	1
Legal Lot Number	5
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2025
Census Tract	25307

Owner

Source: Pinellas County records, as of September 10, 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	Individual Name on Record
Mailing Address	529 30TH AVE N, 16, SAINT PETERSBURG, FL 33704-2145
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 31, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Nov 3, 2022	Warranty Deed, Transfer · Conventional Mortgage NFM INC
Oct 11, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2026 · Amount on Record
Deed Sale	Mar 9, 2026 · Amount on Record
Prior Sale	May 31, 2023 · Amount on Record
Deed Document Number	202663388
Deed Book / Page	23479 / 1593
Prior Transfer Date	Sep 25, 2021
Prior Transfer Doc	0217541001
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Mar 9, 2026
Property Address	12295 RIDGE RD, SEMINOLE, FL 33778-2517
Document Number	0234791593
Book / Page	23479 / 1593
Map Reference	MB 47 PG 25
Instrument Date	Feb 20, 2026
Instrument	2026063388
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	UNIVERSITY TITLE INC, UNIVERSITY TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17330 FEATHERBED CIR, FORT MYERS, FL 33913-9750

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	529 30TH AVE N APT 16, 16, ST PETERSBURG, FL 33704-2145

Mortgage

Document Number	0234791595
Date	Mar 9, 2026
Instrument	23479/1595

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PINELLAS FL
Recording Date	May 31, 2023
Property Address	12295 RIDGE RD, SEMINOLE, FL 33778-2517
Document Number	0224560508
Book / Page	22456 / 508
Map Reference	MB 47 PG 25
Instrument Date	May 15, 2023
Instrument	2023140648
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	306 W SOUTH AVE FIELDING AVE1, AVE1, TAMPA, FL 33603-1945

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	306 S FIELDING AVE APT 1, 1, TAMPA, FL 33606-2200

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Nov 3, 2022
Property Address	12295 RIDGE RD, SEMINOLE, FL 33778-2517
Document Number	0222532227
Book / Page	22253 / 2227
Map Reference	MB 47 PG 25
Instrument Date	Oct 28, 2022
Instrument	2022321374
Transaction Type	Transfer
Record Updated	Dec 9, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	609 BIRCH DR, 609, NEWPORT NEWS, VA 23601-3507

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	534 WHITE CLIFF DR, PLYMOUTH, MA 02360-1491

Mortgage

Document Number	0222532229
Date	Nov 3, 2022
Instrument	22253/2229

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PINELLAS FL
Recording Date	Oct 11, 2021
Property Address	12295 RIDGE RD, SEMINOLE, FL 33778-2517
Document Number	0217541001
Book / Page	21754 / 1001
Map Reference	MB 47 PG 25
Instrument Date	Sep 25, 2021
Instrument	2021331019
Transaction Type	Transfer
Record Updated	Oct 25, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12295 RIDGE RD, LARGO, FL 33778-2517

Mortgage

Document Number	217541006
Date	Oct 11, 2021
Instrument	21754/1006

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

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	$5,305.00 (+4.33%)	$295,640 (+10.54%) Land $126,848 Building $168,792	$295,640 (+10.54%) Land $126,848 Building $168,792
2024	$5,085.00 (+2.85%)
2023	$4,944.00 (+33.55%)	$267,460 (+21.75%)	$267,460 (+21.75%) Land $137,102 Building $130,358
2022	$3,702.00	$219,684	$219,684 Land $137,655 Building $82,029

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 22 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	5 (1998–2024)
Claims Outside the SFHA	2 of 5
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

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 709 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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