12551 Ridge Rd, Largo, FL 33778 Property Records

Pinellas County property record for 12551 Ridge Rd, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,416 sqft · built 1972
Lot Size	0.149 acres (6,499 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Feb 2020)
Tax Bill	$3,454 (2025)
Deeds & Mortgages	Feb 2020 Sale & Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-9196-9`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-9196-9`
Alternative APNs	`09-30-15-94698-003-0230` `301509946980030230` `153009946980030230` `R102455`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,416 sqft Living Area
Gross Area	1,458 sqft
1st Floor Area	1,416 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,499 sqft (0.149 acres)
Lot Dimensions	100 ft deep x 65 ft wide

Exterior Amenities

Porch	Slab
Porch Area	42 sqft
Deck Area	98 sqft
Patio Area	98 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R102455
Street Address	12551 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 23
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	WALSINGHAM HEIGHTS 1ST ADD
Legal Tract	94698
Legal Block	3
Legal Lot Number	23
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2020
Census Tract	25307

Owner

12551 Ridge Rd is owned and occupied by an individual who bought it in February 2020.

Source: Pinellas County records, as of September 10, 2026

Owner of Record	Individual Name on File
Mailing Address	12551 RIDGE RD, LARGO, FL 33778-2520
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2020	Warranty Deed, Transfer · FHA Mortgage PRIME LNDG
Sep 5, 2017	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2020 · Amount on File
Deed Sale	Feb 28, 2020 · Amount on File
Prior Sale	Sep 5, 2017 · Amount on File
Deed Document Number	202069719
Deed Book / Page	20903 / 133
Prior Transfer Date	Aug 5, 2016
Prior Transfer Doc	0192950303
Record Updated	Oct 29, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Feb 28, 2020
Property Address	12551 RIDGE RD, LARGO, FL 33778-2520
Document Number	0209030133
Book / Page	020903 / 000133
Instrument Date	Feb 28, 2020
Instrument	69719
Transaction Type	Transfer
Record Updated	Mar 17, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12551 RIDGE RD LARGO FL 337782520, LARGO, FL 33778-2520

Mortgage

Document Number	209030135
Date	Feb 28, 2020
Book Page	020903/000135
Instrument	69720

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2050

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 5, 2017
Property Address	12551 RIDGE RD, LARGO, FL 33778-2520
Document Number	0197660658
Book / Page	19766 / 0658
Map Reference	MB50 PG20
Instrument Date	Aug 31, 2017
Instrument	2017277077
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	PROFESSIONAL TITLE SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,189.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7880 BOCA CIEGA DR APT 4, 7880, ST PETE BEACH, FL 33706-1751

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12551 RIDGE RD, LARGO, FL 33778-2520

Mortgage

Document Number	2017277079
Date	Sep 5, 2017
Instrument	2017277079

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 12551 Ridge Rd was $3,454 with a homeowner's exemption, up 5.8% from the year before.

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	$3,454.00 (+5.82%) Homeowner's exemption	$224,152	$305,468 Land $128,611 Building $176,857
2024	$3,264.00 (+1.94%)
2023	$3,202.00 (+3.16%) Homeowner's exemption	$211,490 (+3%)	$272,836 (+10.55%) Land $137,407 Building $135,429
2022	$3,104.00 Homeowner's exemption	$205,330	$246,788 Land $140,516 Building $106,272

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12551 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

Wildfire risk around 12551 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.

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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