12577 115th St, Largo, FL 33778 Property Records

Pinellas County property record for 12577 115th St, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,354 sqft · built 1979
Lot Size	0.16 acres (6,978 sqft)
Owner	2 Individual Names on File
Last Sale	$474,500 (Nov 2023)
Tax Bill	$7,148 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Sep 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-8140-8`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-8140-8`
Alternative APNs	`09-30-15-01970-000-0780` `301509019700000780` `153009019700000780` `R101399`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,354 sqft Living Area
Gross Area	2,124 sqft
1st Floor Area	1,354 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1990
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,978 sqft (0.16 acres)
Lot Dimensions	90 ft deep x 77 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	308 sqft
Deck Area	200 sqft
Patio Area	200 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R101399
Street Address	12577 115TH ST
City	LARGO
State	FL
Zip	33778-2504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AVON RIDGE LOT 78
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	AVON RIDGE
Legal Tract	1970
Legal Lot Number	78
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2015
Census Tract	25307

Owner

12577 115th St is owned and occupied by two individuals who bought it in November 2023.

Source: Pinellas County records, as of September 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	12577 115TH ST, LARGO, FL 33778-2504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2023	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 28, 2023	Deed of Trust, Mortgage · Commercial Mortgage RCI HOMES LLC
Jul 1, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2023 · Amount on File
Deed Sale	Nov 14, 2023 · Amount on File
Prior Sale	Sep 28, 2023 · Amount on File
Deed Document Number	2023291078
Deed Book / Page	22622 / 1139
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Nov 14, 2023
Property Address	12577 115TH ST, LARGO, FL 33778-2504
Document Number	0226221139
Book / Page	22622 / 1139
Map Reference	MB 77 PG 8&9
Instrument Date	Nov 10, 2023
Instrument	2023291078
Transaction Type	Transfer
Record Updated	Dec 6, 2023
Title Company	AMERICAS TITLE CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,321.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8051 N TAMIAMI TRL, SARASOTA, FL 34243-2032

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12577 115TH ST, LARGO, FL 33778-2504

Mortgage

Document Number	0226221141
Date	Nov 14, 2023
Book Page	22622/1141
Instrument	2023291079

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12577 115TH ST, LARGO, FL 33778-2504
Transaction Type	Mortgage
Record Updated	Oct 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8051 N TAMIAMI TRL E6, E6, SARASOTA, FL 34243-2067

Mortgage

Document Number	0225772025
Date	Sep 28, 2023
Book Page	22577/2025
Instrument	2023249114

Lender

Name	RCI HOMES LLC
Type	Non-Lending Institution
Address	TAMPA, FL 33629

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12577 115TH ST, LARGO, FL 33778-2504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0205971342
Date	Jul 1, 2019
Book Page	20597/1342
Instrument	2019207785

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 12577 115th St was $7,148 with a homeowner's exemption.

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	$7,148.00 Homeowner's exemption	$418,697	$424,100 Land $141,444 Building $282,656
2023	$1,692.00 (-1.74%) Homeowner's exemption Widower's exemption	$136,659 (+3%)	$313,488 (+10.04%) Land $148,416 Building $165,072
2022	$1,722.00 Homeowner's exemption	$132,679	$284,877 Land $153,247 Building $131,630

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

FEMA maps place 12577 115th St 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 12577 115th St 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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