Pinellas County property record for 12538 Ridge Rd, Largo, FL 33778
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,377 sqft · built 1979 |
| Lot Size | 0.154 acres (6,700 sqft) |
| Owner | Individual Name on File |
| Last Sale | $131,000 (Dec 2012) |
| Tax Bill | $1,796 (2025) |
| Deeds & Mortgages | Aug 2018 Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-749-8144-0 |
| Primary APN | C62-000-749-8144-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,377 sqft Living Area |
| Gross Area | 2,079 sqft |
| 1st Floor Area | 1,377 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 6,700 sqft (0.154 acres) |
| Lot Dimensions | 100 ft deep x 67 ft wide |
| Garage Type | Attached |
| Garage Area | 488 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
| Porch Area | 214 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R101403 |
|---|---|
| Street Address | 12538 RIDGE RD |
| City | LARGO |
| State | FL |
| Zip | 33778-2519 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | AVON RIDGE LOT 82 |
| Legal Range | 15E |
| Legal Township | 30S |
| Legal Section | 9 |
| Legal Subdivision | AVON RIDGE |
| Legal Tract | 1970 |
| Legal Lot Number | 82 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 25307 |
12538 Ridge Rd is owned and occupied by an individual who bought it in December 2012.
Source: Pinellas County records, as of September 10, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12538 RIDGE RD, LARGO, FL 33778-2519 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 3, 2018 | Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC |
| Aug 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SEACOAST NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 17, 2012 · Amount on File |
| Deed Sale | Dec 17, 2012 · Amount on File |
| Prior Sale | Jan 12, 2011 · Amount on File |
| Deed Document Number | 2012368865 |
| Deed Book / Page | 17821 / 1897 |
| Prior Transfer Date | Sep 30, 2010 |
| Prior Transfer Doc | 0170922313 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 12538 RIDGE RD, LARGO, FL 33778-2519 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0201540517 |
|---|---|
| Date | Aug 3, 2018 |
| Book Page | 20154/0517 |
| Instrument | 2018247403 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | MAITLAND, FL 32751 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jul 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 12538 RIDGE RD, LARGO, FL 33778-2519 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Title Company | BAXTER TITLE CORPORATION |
| Name | Verified Name |
|---|
| Document Number | 0211151322 |
|---|---|
| Date | Aug 10, 2020 |
| Book Page | 21115/1322 |
| Instrument | 2020237192 |
| Name | SEACOAST NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | STUART, FL 34994 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
The 2025 property tax bill for 12538 Ridge Rd was $1,796 with a homeowner's exemption, up 6.5% from the year before.
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Municipality | Largo City |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,796.00 (+6.52%) Homeowner's exemption | $136,802 | $347,542 Land $132,454 Building $215,088 |
| 2024 | $1,686.00 (+2.62%) | ||
| 2023 | $1,643.00 (+3.86%) Homeowner's exemption | $129,075 (+3%) | $307,035 (+11.21%) Land $141,929 Building $165,106 |
| 2022 | $1,582.00 Homeowner's exemption | $125,316 | $276,080 Land $145,920 Building $130,160 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12538 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1998.
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 File 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 risk around 12538 Ridge Rd is low, with less than a 0.01% annual chance of 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.
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 |
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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures