12559 115th St, Largo, FL 33778 Property Records

Pinellas County property record for 12559 115th St, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,179 sqft · built 1978
Lot Size	0.169 acres (7,344 sqft)
Owner	2 Individual Names on Record
Last Sale	$223,000 (Jul 2020)
Tax Bill	$5,559 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Oct 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-8139-0`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-8139-0`
Alternative APNs	`09-30-15-01970-000-0770` `301509019700000770` `153009019700000770` `R101398`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,179 sqft Living Area
Gross Area	1,832 sqft
1st Floor Area	1,179 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1988
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,344 sqft (0.169 acres)
Lot Dimensions	86 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	477 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R101398
Street Address	12559 115TH ST
City	LARGO
State	FL
Zip	33778-2504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AVON RIDGE LOT 77
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	AVON RIDGE
Legal Tract	1970
Legal Lot Number	77
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2015
Census Tract	25307

Owner

Source: Pinellas County records, as of September 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	12559 115TH ST, LARGO, FL 33778-2504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 19, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 2, 2020	Warranty Deed, Transfer · FHA Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2020 · Amount on Record
Deed Sale	Jul 2, 2020 · Amount on Record
Deed Document Number	2020198933
Deed Book / Page	21064 / 869
Last Transfer Date	Oct 19, 2020
Transfer Doc	0212151093
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12559 115TH ST, LARGO, FL 33778-2504
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12559 115TH ST, LARGO, FL 33778-2504

Mortgage

Document Number	0219280983
Date	Feb 10, 2022
Book Page	21928/983
Instrument	2022043636

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	341 Months
Due	Jul 1, 2050

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 19, 2020
Property Address	12559 115TH ST, LARGO, FL 33778-2504
Document Number	0212151093
Book / Page	021215 / 001093
Instrument Date	Oct 19, 2020
Instrument	312662
Transaction Type	Transfer
Record Updated	Nov 2, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12559 115TH ST LARGO FL 337782504, LARGO, FL 33778-2504

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jul 2, 2020
Property Address	12559 115TH ST, LARGO, FL 33778-2504
Document Number	0210640869
Book / Page	21064 / 869
Map Reference	MB 77 PG 8&9
Instrument Date	Jun 30, 2020
Instrument	2020198933
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	SEMINOLE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,561.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	246 BOYER AVE, 246, WEST BERLIN, NJ 08091-1369

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12559 115TH ST, LARGO, FL 33778-2504

Mortgage

Document Number	0021064871
Date	Jul 2, 2020
Instrument	21064/871

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 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	$5,559.00 (+9.91%)	$296,276 (+8.13%) Land $146,294 Building $149,982	$296,276 (+8.13%) Land $146,294 Building $149,982
2024	$5,058.00 (+6.55%)
2023	$4,747.00 (+9.55%)	$273,991 (+10.62%)	$273,991 (+10.62%) Land $155,917 Building $118,074
2022	$4,333.00	$247,682	$247,682 Land $157,248 Building $90,434

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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