12509 115th St, Largo, FL 33778 Property Records

Pinellas County property record for 12509 115th St, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,242 sqft · built 1980
Lot Size	0.172 acres (7,471 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Jan 2004)
Tax Bill	$3,089 (2025)
Deeds & Mortgages	Mar 2026 Transfer Sep 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-8137-4`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-8137-4`
Alternative APNs	`09-30-15-01970-000-0750` `301509019700000750` `153009019700000750` `R101396`

Interior

Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	2,242 sqft Living Area
Gross Area	3,161 sqft
1st Floor Area	2,242 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,471 sqft (0.172 acres)
Lot Dimensions	78 ft deep x 69 ft wide
Garage Type	Attached
Garage Area	580 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	603 sqft
Deck Area	120 sqft
Patio Area	120 sqft
Shed	1 Shed
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R101396
Street Address	12509 115TH ST
City	LARGO
State	FL
Zip	33778-2504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AVON RIDGE LOT 75
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	AVON RIDGE
Legal Tract	1970
Legal Lot Number	75
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2015
Census Tract	25307

Owner

Source: Pinellas County records, as of April 10, 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	12509 115TH ST, LARGO, FL 33778-2504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Sep 30, 2025	Deed of Trust, Mortgage · Loan Assumption ROCKET MORTGAGE LLC
Dec 13, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MARRIOTT EMPLOYEES FCU
Sep 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage MERRIOTT EMPLOYEES FEDERAL CREDIT UNION
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2004 · Amount on Record
Deed Sale	Jan 24, 2004 · Amount on Record
Prior Sale	Mar 28, 1997 · Amount on Record
Deed Document Number	200435719
Deed Book / Page	13328 / 1037
Last Transfer Date	Jul 24, 2025
Transfer Doc	0232400213
Record Updated	Oct 29, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PINELLAS FL
Recording Date	Mar 30, 2026
Property Address	12509 115TH ST, LARGO, FL 33778-2504
Document Number	0235042068
Book / Page	23504 / 2068
Map Reference	MB 77 PG 8&9
Instrument Date	Mar 24, 2026
Instrument	2026084424
Transaction Type	Transfer
Record Updated	Apr 15, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12509 115TH ST, LARGO, FL 33778-2504

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12509 115TH ST, LARGO, FL 33778-2504

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12509 115TH ST, LARGO, FL 33778-2504
Transaction Type	Mortgage
Record Updated	Oct 20, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12509 115TH ST, LARGO, FL 33778-2504

Mortgage

Document Number	0233101227
Date	Sep 30, 2025
Book Page	23310/1227
Instrument	2025278103

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Loan Assumption
Amount	Amount Recorded

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12509 115TH ST, LARGO, FL 33778-2504
Transaction Type	Mortgage
Record Updated	Jan 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12509 115TH ST, LARGO, FL 33778-2504

Mortgage

Document Number	0222881357
Date	Dec 13, 2022
Book Page	22288/1357
Instrument	2022354238

Lender

Name	MARRIOTT EMPLOYEES FCU
Type	Credit Union
Address	ROCKVILLE, MD 20850

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 31, 2037

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12509 115TH ST, LARGO, FL 33778-2504
Transaction Type	Mortgage
Record Updated	Sep 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0216971295
Date	Sep 1, 2021
Book Page	21697/1295
Instrument	2021287357

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12509 115TH ST, LARGO, FL 33778-2504
Transaction Type	Mortgage
Record Updated	May 10, 2021
Title Company	NOT AVAILABLE, MBT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0215000438
Date	Apr 23, 2021
Book Page	21500/438
Instrument	2021133418

Lender

Name	MERRIOTT EMPLOYEES FEDERAL CREDIT UNION
Type	Non-Lending Institution
Address	ROCKVILLE, MD 20850

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 28, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12509 115TH ST, LARGO, FL 33778-2504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0212240212
Date	Oct 23, 2020
Book Page	21224/212
Instrument	2020319739

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2050

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	$3,089.00 (+5.93%)	$204,908 (+5.99%)	$452,363 (+14.91%) Land $119,343 Building $333,020
2024	$2,916.00 (+1.99%)
2023	$2,859.00 (+3.25%) Homeowner's exemption	$193,333 (+3%)	$393,660 (+12.93%) Land $128,387 Building $265,273
2022	$2,769.00 Homeowner's exemption	$187,702	$348,597 Land $134,964 Building $213,633

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 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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