12425 Ridge Rd, Largo, FL 33778 Property Records

Pinellas County property record for 12425 Ridge Rd, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 988 sqft · built 1959
Lot Size	0.155 acres (6,752 sqft)
Owner	2 Individual Names on Record
Last Sale	$369,000 (Sep 2026)
Tax Bill	$4,373 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-9176-1`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-9176-1`
Alternative APNs	`09-30-15-94698-003-0010` `301509946980030010` `153009946980030010` `R102435`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	988 sqft Living Area
Gross Area	1,357 sqft
1st Floor Area	988 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1983
Architectural Style	Custom Design
Exterior Material	Brick/Concrete Block Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Built-Up Asphalt
Lot Area	6,752 sqft (0.155 acres)
Lot Dimensions	100 ft deep x 68 ft wide
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	57 sqft
Deck Area	240 sqft
Patio Area	240 sqft
Shed	1 Shed
Shed Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R102435
Street Address	12425 RIDGE RD
City	LARGO
State	FL
Zip	33778-2520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WALSINGHAM HEIGHTS 1ST ADD BLK 3, LOT 1
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	WALSINGHAM HEIGHTS 1ST ADD
Legal Tract	94698
Legal Block	3
Legal Lot Number	1
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2020
Census Tract	25307

Owner

Source: Pinellas County records, as of October 13, 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	7591 ULMERTON RD, 2014, LARGO, FL 33771-4548
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Warranty Deed, Transfer · Conventional Mortgage HOUSING FINANCE CORPORATION FLORIDA
Sep 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE MORTGAGE INC
Feb 10, 2026	Warranty Deed, Construction Loan · Construction Mortgage RFLF 4 LLC
Apr 14, 2022	Intrafamily Transfer, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2026 · Amount on Record
Deed Sale	Sep 15, 2026 · Amount on Record
Prior Sale	Feb 10, 2026 · Amount on Record
Deed Document Number	2026246867
Deed Book / Page	23693 / 2276
Prior Transfer Date	Apr 7, 2022
Prior Transfer Doc	0220181506
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 15, 2026
Property Address	12425 RIDGE RD, LARGO, FL 33778-2520
Document Number	0000246867
Book / Page	23693 / 2276
Instrument Date	Sep 10, 2026
Instrument	2026246867
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	TITLE SERVICES, ALBATROSS TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260,883.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000246869,
Date	Sep 15, 2026
Instrument	2026246869

Lender

Name	HOUSING FINANCE CORPORATION FLORIDA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	12%
Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Recording Date	Sep 15, 2026
Property Address	12425 RIDGE RD, LARGO, FL 33778-2520
Document Number	0000246868
Book / Page	23693 / 2278
Instrument Date	Sep 10, 2026
Instrument	2026246868
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000246868,
Date	Sep 15, 2026
Book Page	23693/2278
Instrument	2026246868

Lender

Name	CORNERSTONE MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

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

February 2026: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Feb 10, 2026
Property Address	12425 RIDGE RD, LARGO, FL 33778-2520
Document Number	0234482330
Book / Page	23448 / 2330
Map Reference	MB 50 PG 20
Instrument Date	Feb 5, 2026
Instrument	2026036001
Transaction Type	Construction Loan
Record Updated	Feb 23, 2026
Title Company	UNKNOWN, ALBATROSS TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12425 RIDGE RD, LARGO, FL 33778-2520

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11763 HARBORSIDE CIR, LARGO, FL 33773-4446
Investor	Possibly a Property Investor

Mortgage

Document Number	0234482332
Date	Feb 10, 2026
Instrument	23448/2332

Lender

Name	RFLF 4 LLC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Mar 1, 2027

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PINELLAS FL
Recording Date	Apr 14, 2022
Property Address	12425 RIDGE RD, LARGO, FL 33778-2520
Document Number	0220181506
Book / Page	22018 / 1506
Map Reference	MB 50 PG 20
Instrument Date	Apr 7, 2022
Instrument	2022117287
Transaction Type	Transfer
Record Updated	May 5, 2022
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	12425 RIDGE RD, 12425, LARGO, FL 33778-2520

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12425 RIDGE RD, LARGO, FL 33778-2520

Mortgage

Document Number	0220181509
Date	Apr 14, 2022
Instrument	22018/1509

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

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	$4,373.00 (+197.48%)	$230,339 (+95.57%) Land $129,627 Building $100,712	$230,339 (+5.13%) Land $129,627 Building $100,712
2024	$1,470.00 (+2.8%)
2023	$1,430.00 (+4.15%) Homeowner's exemption	$117,780 (+3%)	$219,097 (+11.2%) Land $138,030 Building $81,067
2022	$1,373.00 Homeowner's exemption	$114,350	$197,036 Land $134,903 Building $62,133

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 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	Low lower than 99.1% of the US · lower than 98.7% 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 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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