12620 115th St, Largo, FL 33778 Property Records

Pinellas County property record for 12620 115th St, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,343 sqft · built 1979
Lot Size	0.163 acres (7,079 sqft)
Owner	Individual Name on Record
Last Sale	$444,000 (May 2022)
Deeds & Mortgages	May 2020 Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-8087-1`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-8087-1`
Alternative APNs	`09-30-15-01970-000-0250` `301509019700000250` `153009019700000250` `R101346`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,343 sqft Living Area
Gross Area	1,904 sqft
1st Floor Area	1,343 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2000
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,079 sqft (0.163 acres)
Lot Dimensions	100 ft deep x 71 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	141 sqft
Deck Area	160 sqft
Patio Area	160 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R101346
Street Address	12620 115TH ST
City	LARGO
State	FL
Zip	33778-1818
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AVON RIDGE LOT 25
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	AVON RIDGE
Legal Tract	1970
Legal Lot Number	25
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2014
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	Individual Name on Record
Mailing Address	12620 115TH ST, LARGO, FL 33778-1818
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2020	Deed of Trust, Mortgage · FHA Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
May 6, 2022	Warranty Deed, Transfer · VA Mortgage PENTAGON FCU
May 1, 2019	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2022 · Amount on Record
Deed Sale	May 6, 2022 · Amount on Record
Prior Sale	May 1, 2019 · Amount on Record
Deed Document Number	2022144744
Deed Book / Page	22051 / 1209
Prior Transfer Date	Jan 14, 2013
Prior Transfer Doc	0180161223
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12620 115TH ST, LARGO, FL 33778-1818
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210051799
Date	May 19, 2020
Book Page	21005/1799
Instrument	2020154712

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	May 6, 2022
Property Address	12620 115TH ST, LARGO, FL 33778-1818
Document Number	0220511209
Book / Page	22051 / 1209
Map Reference	MB 77 PG 8&9
Instrument Date	May 2, 2022
Instrument	2022144744
Transaction Type	Transfer
Record Updated	May 30, 2022
Title Company	KLEER TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,108.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11972 10TH CT, 11972, LARGO, FL 33778

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12620 115TH ST, LARGO, FL 33778-1818

Mortgage

Document Number	0220511211
Date	May 6, 2022
Instrument	22051/1211

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	May 1, 2019
Property Address	12620 115TH ST, LARGO, FL 33778-1818
Document Number	0205202409
Book / Page	20520 / 2409
Map Reference	MB 77 PG 8&9
Instrument Date	Apr 30, 2019
Instrument	2019135917
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12620 115TH ST, 12620, LARGO, FL 33778-1818

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12620 115TH ST, LARGO, FL 33778-1818

Mortgage

Document Number	2019135918
Date	May 1, 2019
Instrument	2019135918

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

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	Veteran's exemption	$359,747 (+5.99%)	$377,969 (+11.36%) Land $140,264 Building $237,705
2023	Homeowner's exemption	$339,425	$339,425 Land $153,469 Building $185,956

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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