12631 97th St, Largo, FL 33773 Property Records

Pinellas County property record for 12631 97th St, Largo, FL 33773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,410 sqft · built 1980
Lot Size	0.177 acres (7,701 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Feb 2022)
Tax Bill	$5,247 (2025)
Deeds & Mortgages	Feb 2022 Sale Jul 2021 Sale
Flood Zone	Zone AE (high risk)
APN	`C62-000-750-1200-5`

Property Details

APN / Parcel Number

Primary APN	`C62-000-750-1200-5`
Alternative APNs	`11-30-15-09417-000-0560` `301511094170000560` `153011094170000560` `R122480`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,410 sqft Living Area
Gross Area	1,830 sqft
1st Floor Area	1,410 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1980
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	7,701 sqft (0.177 acres)
Lot Dimensions	110 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R122480
Street Address	12631 97TH ST
City	LARGO
State	FL
Zip	33773-1215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	BLUE WATER COVE 1ST ADD LOT 56
Legal Range	15E
Legal Township	30S
Legal Section	11
Legal Subdivision	BLUE WATER COVE 1ST ADD
Legal Tract	9417
Legal Lot Number	56
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1027
Census Tract	25021

Owner

Source: Pinellas County records, as of September 10, 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 Record
Mailing Address	12631 97TH ST, LARGO, FL 33773-1215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2022	Warranty Deed, Subdivision Related Transfer TITLE INSIGHTS LLC
Jul 21, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2022 · Amount on Record
Deed Sale	Feb 10, 2022 · Amount on Record
Prior Sale	Jul 21, 2021 · Amount on Record
Deed Document Number	202244787
Deed Book / Page	21929 / 2199
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Feb 10, 2022
Property Address	12631 97TH ST, LARGO, FL 33773-1215
Document Number	0219292199
Book / Page	21929 / 2199
Map Reference	MB 81 PG 71-73
Instrument Date	Feb 10, 2022
Instrument	2022044787
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 24, 2022
Title Company	TITLE INSIGHTS LLC

Transaction

Amount	Amount Recorded
Tax	$3,045.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9901 58TH ST N, 9901, PINELLAS PARK, FL 33782-3246

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12631 97TH ST, LARGO, FL 33773-1215

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jul 21, 2021
Property Address	12631 97TH ST, LARGO, FL 33773-1215
Document Number	0216360735
Book / Page	21636 / 735
Map Reference	MB 81 PG 71
Instrument Date	Jul 20, 2021
Instrument	2021239068
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,820.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1150 8TH AVE SW APT 2821, 1150, LARGO, FL 33770-3178

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9901 57TH WAY N, PINELLAS PARK, FL 33782-3333

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,247.00 (+3.94%) Homeowner's exemption	$328,132 (+5.99%)	$376,649 (+11.76%) Land $137,495 Building $239,154
2023	$5,048.00 (-10.05%) Homeowner's exemption	$309,596 (+6.11%)	$337,015 (+15.51%) Land $153,673 Building $183,342
2022	$5,612.00	$291,771	$291,771 Land $147,900 Building $143,871

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 158 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	158 in force
Nearby Flood Claims	18 (2012–2024)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 14 claims Hurricane Helene, Sep 2024 · 3 claims

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 638 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Frontier, WOW Internet, Cable & Phone.

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