12432 Henrietta Ave, Largo, FL 33774 Property Records

Pinellas County property record for 12432 Henrietta Ave, Largo, FL 33774

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,876 sqft · built 1955
Lot Size	0.513 acres (22,351 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Jun 2020)
Tax Bill	$2,257 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Mar 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-4832-4`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-4832-4`
Alternative APNs	`07-30-15-42732-003-0010` `153007427320030010` `R74739`

Interior

Full Baths	4 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,876 sqft Heated Area
1st Floor Area	2,876 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1999
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,351 sqft (0.513 acres)
Lot Dimensions	159 ft deep x 140 ft wide
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	294 sqft
Deck Area	85 sqft
Patio Area	85 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R74739
Old Parcel Number	153007427320030010
Street Address	12432 HENRIETTA AVE
City	LARGO
State	FL
Zip	33774-2839
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN OAKS GARDENS BLK C, LOTS 1 AND 2
Legal Range	15
Legal Township	30
Legal Section	07
Legal Subdivision	INDIAN OAKS GARDENS
Legal Block	C
Legal Lot Number	1-2 2
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2001
Census Tract	25208

Owner

Source: Pinellas County records, as of December 26, 2025

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	12432 HENRIETTA AVE, LARGO, FL 33774-2839
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2020	Warranty Deed, Transfer · VA Mortgage CALIBER HM LOANS
Mar 16, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF NAT'L TR & SVGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2020 · Amount on Record
Deed Sale	Jun 4, 2020 · Amount on Record
Prior Sale	Apr 20, 2010 · Amount on Record
Deed Document Number	2020168894
Deed Book / Page	21025 / 1089
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jun 4, 2020
Property Address	12432 HENRIETTA AVE, LARGO, FL 33774-2839
Document Number	0210251089
Book / Page	021025 / 001089
Instrument Date	Jun 3, 2020
Instrument	168894
Transaction Type	Transfer
Record Updated	Jun 17, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,045.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12432 HENRIETTA AVE LARGO FL 337742839, LARGO, FL 33774-2839

Mortgage

Document Number	210251092
Date	Jun 4, 2020
Book Page	021025/001092
Instrument	168895

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2050

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12432 HENRIETTA AVE, LARGO, FL 33774-2839
Document Number	0199921482
Instrument Date	Mar 16, 2018
Transaction Type	Mortgage
Record Updated	Apr 17, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12432 HENRIETTA AVE LARGO FL 337742839, LARGO, FL 33774-2839

Mortgage

Document Number	0199921482
Date	Mar 29, 2018
Book Page	019992/001482
Instrument	96879

Lender

Name	BANK OF NAT'L TR & SVGS
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of July 1, 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	$2,257.00 (+8.67%) Homeowner's exemption Veteran's exemption	$443,491 (+7.29%)	$628,506 (+27.02%) Land $201,151 Building $427,355
2023	$2,077.00 (+2.77%) Homeowner's exemption Veteran's exemption	$413,352 (+3%)	$494,797 (+2.38%) Land $252,469 Building $242,328
2022	$2,021.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$401,313	$483,312 Land $267,440 Building $215,872

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 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	7 (1979–1998)
Claims Outside the SFHA	5 of 7
Most Recent Claim	Mar 1998 · Severe Storms, High Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 2 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 587 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

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

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