123 Oakwood Dr, Largo, FL 33770 Property Records

Pinellas County property record for 123 Oakwood Dr, Largo, FL 33770

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 3,131 sqft · built 1959
Lot Size	0.28 acres (12,188 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Oct 2019)
Tax Bill	$10,394 (2025)
Deeds & Mortgages	Aug 2026 Sale Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-1830-1`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-1830-1`
Alternative APNs	`05-30-15-35730-024-0120` `301505357300240120` `153005357300240120` `R47641`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	3,131 sqft Living Area
Gross Area	3,950 sqft
1st Floor Area	3,131 sqft
Flooring	Carpet

Exterior

Year Built	Built 1959
Effective Year Built	Effective 2009
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	12,188 sqft (0.28 acres)
Lot Dimensions	122 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	539 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	280 sqft
Deck Area	612 sqft
Patio Area	1,050 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R47641
Street Address	123 OAKWOOD DR
City	LARGO
State	FL
Zip	33770-4056
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	HARBOR BLUFFS SEC 2 UNIT B REPLAT BLK X, LOT 12
Legal Range	15E
Legal Township	30S
Legal Section	5
Legal Subdivision	HARBOR BLUFFS SEC 2 UNIT B
Legal Tract	35730
Legal Block	X
Legal Lot Number	12
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2000
Census Tract	25210

Owner

Source: Pinellas County records, as of October 13, 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 Record
Mailing Address	123 OAKWOOD DR, LARGO, FL 33770-4056
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Special Warranty Deed, Transfer ACCOMMODATION/COURTESY RECORDI
Jul 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 22, 2019	Warranty Deed, Transfer · Conventional Mortgage VALLEY NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2019 · Amount on Record
Deed Sale	Oct 22, 2019 · Amount on Record
Prior Sale	Apr 12, 2002
Deed Document Number	2019339375
Deed Book / Page	20740 / 1057
Last Transfer Date	Aug 12, 2026
Transfer Doc	0000219664
Record Updated	Oct 29, 2026

August 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Aug 17, 2026
Property Address	123 OAKWOOD DR, LARGO, FL 33770-4056
Document Number	0000219664
Book / Page	23663 / 1976
Instrument Date	Aug 12, 2026
Instrument	2026219664
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	ACCOMMODATION/COURTESY RECORDI

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	123 OAKWOOD DR, LARGO, FL 33770-4056

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	123 OAKWOOD DR, LARGO, FL 33770-4056
Transaction Type	Mortgage
Record Updated	Aug 9, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0216420700
Date	Jul 26, 2021
Book Page	21642/700
Instrument	2021243820

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 22, 2019
Property Address	123 OAKWOOD DR, LARGO, FL 33770-4056
Document Number	0207401057
Book / Page	20740 / 1057
Map Reference	MB 39 PG 45
Instrument Date	Oct 17, 2019
Instrument	2019339375
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	TITLE AGENCY OF FLORIDA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9709 ROYCE DR, 9709, BOYNTON BEACH, FL 33424

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 OAKWOOD DR, LARGO, FL 33770-4056

Mortgage

Document Number	0207401059
Date	Oct 22, 2019
Instrument	20740/1059

Lender

Name	VALLEY NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.87%
Index	1-Year CMT
Max Rate	9.87%

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	$10,394.00 (+6.86%)	$622,684 (+5.99%)	$947,617 (+10.19%) Land $314,428 Building $633,189
2023	$9,727.00 (+3.88%) Homeowner's exemption	$587,510 (+3%)	$860,020 (+24.98%) Land $374,212 Building $485,808
2022	$9,364.00 Homeowner's exemption	$570,398	$688,139 Land $317,401 Building $370,738

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 263 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	263 in force
Nearby Flood Claims	186 (2024)
Claims Outside the SFHA	2 of 186
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 10 claims Hurricane Helene, Oct 2024 · 175 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	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 446 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
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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