123 Harbor Bluff Dr, Largo, FL 33770 Property Records

Pinellas County property record for 123 Harbor Bluff Dr, Largo, FL 33770

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,713 sqft · built 1969
Lot Size	0.287 acres (12,502 sqft)
Owner	2 Individual Names on Record
Last Sale	$792,200 (Apr 2024)
Tax Bill	$8,596 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Oct 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-747-7568-5`

Property Details

APN / Parcel Number

Primary APN	`C62-000-747-7568-5`
Alternative APNs	`32-29-15-35640-003-0120` `291532356400030120` `152932356400030120` `R354147`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,713 sqft Living Area
Gross Area	3,342 sqft
1st Floor Area	2,713 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1984
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	12,502 sqft (0.287 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	449 sqft
Deck Area	200 sqft
Patio Area	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R354147
Street Address	123 HARBOR BLUFF DR
City	LARGO
State	FL
Zip	33770-2655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	HARBOR BLUFFS SEC 1 BLK C, LOT 12
Legal Range	15E
Legal Township	29S
Legal Section	32
Legal Subdivision	HARBOR BLUFFS SEC 1
Legal Tract	35640
Legal Block	C
Legal Lot Number	12
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1006
Census Tract	25210

Owner

Source: Pinellas County records, as of September 14, 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 Record
Mailing Address	123 HARBOR BLUFF DR, LARGO, FL 33770-2655
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2024	Deed, Transfer · Seller Carry-Back TIMOTHY S DAVIS TRUST
Oct 5, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 21, 2020	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2024 · Amount on Record
Deed Sale	Apr 18, 2024 · Amount on Record
Prior Sale	Oct 5, 2022 · Amount on Record
Deed Document Number	202498729
Deed Book / Page	22771 / 422
Prior Transfer Date	Nov 9, 2013
Prior Transfer Doc	0182980202
Record Updated	Oct 29, 2026

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	PINELLAS FL
Recording Date	Apr 18, 2024
Property Address	123 HARBOR BLUFF DR, LARGO, FL 33770-2655
Document Number	0227710422
Book / Page	22771 / 422
Map Reference	MB 31 PG 23&24
Instrument Date	Apr 17, 2024
Instrument	2024098729
Transaction Type	Transfer
Record Updated	May 3, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,545.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1490 DONEGAN RD, LARGO, FL 33771-3009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 HARBOR BLUFF DR, BELLEAIR BLUFFS, FL 33770-2655

Mortgage

Document Number	0022771425
Date	Apr 18, 2024
Instrument	22771/425

Lender

Name	TIMOTHY S DAVIS TRUST
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 5, 2022
Property Address	123 HARBOR BLUFF DR, LARGO, FL 33770-2655
Document Number	0222212240
Book / Page	22221 / 2240
Map Reference	MB 31 PG 23&24
Instrument Date	Sep 22, 2022
Instrument	2022293329
Transaction Type	Transfer
Record Updated	Mar 21, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$4,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	175 LAUREL RUN RD, WAYNESBURG, PA 15370-9663

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1490 DONEGAN RD, LARGO, FL 33771-3009

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 21, 2020
Property Address	123 HARBOR BLUFF DR, LARGO, FL 33770-2655
Document Number	0212181940
Book / Page	21218 / 1940
Map Reference	MB 31 PG 23&24
Instrument Date	Oct 15, 2020
Instrument	2020315342
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,394.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25 LAUREL CT, 25, CRETE, IL 60417-3015

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 LAUREL RUN RD, WAYNESBURG, PA 15370-9663

Mortgage

Document Number	0212181942
Date	Oct 21, 2020
Instrument	21218/1942

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

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	$8,596.00 (-23.48%) Homeowner's exemption	$529,087 (-19%)	$675,508 (+3.42%) Land $287,445 Building $388,063
2024	$11,233.00 (-1.65%)
2023	$11,422.00 (+128.99%)	$653,174 (+115.49%)	$653,174 (+115.49%) Land $336,633 Building $316,541
2022	$4,988.00	$303,109	$303,109 Land $192,324 Building $110,785

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 179 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	179 in force
Nearby Flood Claims	101 (1993–2024)
Most Recent Claim	Dec 2024 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 4 claims Hurricane Helene, Sep 2024 · 94 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 98% of the US · lower than 97.6% 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 320 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 · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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