12632 115th St, Largo, FL 33778 Property Records

Pinellas County property record for 12632 115th St, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,551 sqft · built 1978
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on File
Tax Bill	$1,056 (2025)
Deeds & Mortgages	Sep 2025 Transfer Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-8086-3`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-8086-3`
Alternative APNs	`09-30-15-01970-000-0240` `301509019700000240` `153009019700000240` `R101345`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,551 sqft Living Area
Gross Area	2,210 sqft
1st Floor Area	1,551 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1993
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	100 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	218 sqft
Deck Area	200 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R101345
Street Address	12632 115TH ST
City	LARGO
State	FL
Zip	33778-1818
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AVON RIDGE LOT 24
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	AVON RIDGE
Legal Tract	1970
Legal Lot Number	24
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2014
Census Tract	25307

Owner

12632 115th St is owned and occupied by an individual who acquired it in September 2025.

Source: Pinellas County records, as of December 2, 2025

Owner of Record	Individual Name on File
Mailing Address	12632 115TH ST, LARGO, FL 33778-1818
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
Sep 17, 2025	Divorce Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Dec 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage EMM LOANS LLC
Dec 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage PHH MORTGAGE SERVICES CORP
Aug 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 17, 2025
Transfer Doc	0232990765
Record Updated	Jun 8, 2026

September 2025: Divorce Transfer, Transfer

Document Type	Divorce Transfer
Jurisdiction	PINELLAS FL
Recording Date	Sep 17, 2025
Property Address	12632 115TH ST, LARGO, FL 33778-1818
Document Number	0232990765
Book / Page	23299 / 765
Map Reference	MB 77 PG 8
Instrument Date	Sep 17, 2025
Instrument	2025268162
Transaction Type	Transfer
Record Updated	Oct 8, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12632 115TH ST, LARGO, FL 33778-1818

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12632 115TH ST, LARGO, FL 33778-1818

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12632 115TH ST, LARGO, FL 33778-1818
Transaction Type	Mortgage
Record Updated	Jan 18, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12632 115TH ST, LARGO, FL 33778-1818

Mortgage

Document Number	0218710073
Date	Dec 30, 2021
Book Page	21871/73
Instrument	2021421109

Lender

Name	EMM LOANS LLC
Type	Mortgage Company
Address	CHERRY HILL, NJ 08003

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12632 115TH ST, LARGO, FL 33778-1818
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0208241148
Date	Dec 27, 2019
Book Page	20824/1148
Instrument	2019412580

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Jan 1, 2045

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12632 115TH ST, LARGO, FL 33778-1818
Document Number	0201691619
Instrument Date	Aug 6, 2018
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12632 115TH ST LARGO FL 337781818, LARGO, FL 33778-1818

Mortgage

Document Number	0201691619
Date	Aug 16, 2018
Book Page	020169/001619
Instrument	262185

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 15, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12632 115th St was $1,056, up 7.4% 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	$1,056.00 (+7.43%)	$97,864 (+2.9%)	$380,315 (+3.73%) Land $132,993 Building $247,322
2024	$983.00 (+3.58%) Homeowner's exemption	$95,106 (+3%)	$366,641 (+7.93%) Land $152,579 Building $214,062
2023	$949.00 (+5.09%) Homeowner's exemption	$92,336 (+3%)	$339,712 (+12.11%) Land $143,470 Building $196,242
2022	$903.00 Homeowner's exemption	$89,647	$303,010 Land $148,404 Building $154,606

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

Flood

FEMA maps place 12632 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

The area around 12632 115th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 493 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 · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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