12448 114th St, Largo, FL 33778 Property Records

Pinellas County property record for 12448 114th St, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,030 sqft · built 1972
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Oct 2025)
Tax Bill	$2,917 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-9179-5`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-9179-5`
Alternative APNs	`09-30-15-94698-003-0040` `153009946980030040` `R102438`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,030 sqft Heated Area
1st Floor Area	1,030 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1995
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,000 sqft (0.16 acres)
Lot Dimensions	100 ft deep x 70 ft wide
Garage Area	300 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	228 sqft
Patio Area	150 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R102438
Old Parcel Number	153009946980030040
Street Address	12448 114TH ST
City	LARGO
State	FL
Zip	33778-2617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WALSINGHAM HEIGHTS 1ST ADD BLK 3, LOT 4
Legal Range	15
Legal Township	30
Legal Section	09
Legal Subdivision	WALSINGHAM HEIGHTS 1ST ADD
Legal Block	3
Legal Lot Number	4
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2020
Census Tract	25307

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	Individual Name on Record
Mailing Address	12448 114TH ST, LARGO, FL 33778-2617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2021	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 2, 2025	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Jan 18, 2017	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2025 · Amount on Record
Deed Sale	Oct 2, 2025 · Amount on Record
Prior Sale	Jun 5, 2025 · Amount on Record
Deed Document Number	2025280804
Deed Book / Page	23313 / 1471
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12448 114TH ST, LARGO, FL 33778-2617
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12448 114TH ST, LARGO, FL 33778-2617

Mortgage

Document Number	0216280981
Date	Jul 16, 2021
Book Page	21628/981
Instrument	2021232948

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 2, 2025
Property Address	12448 114TH ST, LARGO, FL 33778-2617
Document Number	0233131471
Book / Page	23313 / 1471
Map Reference	MB 50 PG 20
Instrument Date	Sep 26, 2025
Instrument	2025280804
Transaction Type	Transfer
Record Updated	Oct 28, 2025
Title Company	UNKNOWN, ALBATROSS TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11763 HARBORSIDE CIR, LARGO, FL 33773-4446

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12448 114TH ST, LARGO, FL 33778-2617

Mortgage

Document Number	0233131473
Date	Oct 2, 2025
Instrument	23313/1473

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jan 18, 2017
Property Address	12448 114TH ST, LARGO, FL 33778-2617
Document Number	0194861540
Book / Page	19486 / 1540
Map Reference	MB5 PG20
Instrument Date	Jan 17, 2017
Instrument	2017017819
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	FIDELITY NATIONAL TITLE OF F

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,095.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12448 114TH ST, LARGO, FL 33778-2617

Mortgage

Document Number	2017017820
Date	Jan 18, 2017
Instrument	2017017820

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

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	$2,917.00 (+5.96%) Homeowner's exemption	$195,845 (+2.9%)	$314,745 (+2.27%) Land $132,067 Building $182,678
2024	$2,753.00 (+2.08%) Homeowner's exemption	$190,326 (+3%)	$307,764 (+13.47%) Land $149,862 Building $157,902
2023	$2,697.00 (+3.29%) Homeowner's exemption	$184,783 (+3%)	$271,228 (+9.9%) Land $139,592 Building $131,636
2022	$2,611.00 Homeowner's exemption	$179,401	$246,806 Land $143,692 Building $103,114

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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