12635 109th St, Largo, FL 33778 Property Records

Pinellas County property record for 12635 109th St, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,691 sqft · built 1977
Lot Size	0.226 acres (9,845 sqft)
Owner	2 Individual Names on Record
Last Sale	$336,000 (Mar 2021)
Tax Bill	$5,912 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-8548-2`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-8548-2`
Alternative APNs	`09-30-15-64739-001-0030` `301509647390010030` `153009647390010030` `R101807`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,691 sqft Living Area
Gross Area	2,451 sqft
1st Floor Area	1,691 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1996
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,845 sqft (0.226 acres)
Lot Dimensions	140 ft deep x 71 ft wide
Garage Type	Attached
Garage Area	322 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Patio
Porch Area	438 sqft
Deck Area	288 sqft
Patio Area	288 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R101807
Street Address	12635 109TH ST
City	LARGO
State	FL
Zip	33778-2115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORANGEWOOD ESTATES SUB SECTION 2 BLK A, LOT 3
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	ORANGEWOOD ESTATES SUB
Legal Tract	64739
Legal Block	A
Legal Lot Number	3
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2000
Census Tract	25311

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	12635 109TH ST, LARGO, FL 33778-2115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK NA
Dec 2, 2017	Deed of Trust, Mortgage · Line of Credit ACHIEVA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2021 · Amount on Record
Deed Sale	Mar 19, 2021 · Amount on Record
Prior Sale	Dec 4, 2008 · Amount on Record
Deed Document Number	202189564
Deed Book / Page	21442 / 2480
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Mar 19, 2021
Property Address	12635 109TH ST, LARGO, FL 33778-2115
Document Number	0214422480
Book / Page	21442 / 2480
Map Reference	MB 69 PG 18-21
Instrument Date	Mar 15, 2021
Instrument	2021089564
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	COAST TO COAST T&E SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,352.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3113 TIMBERLEE RD, 3113, WIMAUMA, FL 33598-7825

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12635 109TH ST, LARGO, FL 33778-2115

Mortgage

Document Number	0214422482
Date	Mar 19, 2021
Instrument	21442/2482

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12635 109TH ST, LARGO, FL 33778-2115
Document Number	0198770318
Book / Page	019877 / 000318
Instrument Date	Dec 2, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12635 109TH ST LARGO FL 337782115, LARGO, FL 33778-2115

Mortgage

Document Number	0198770318
Date	Dec 15, 2017
Book Page	019877/000318
Instrument	381742

Lender

Name	ACHIEVA CU
Type	Credit Union
Address	DUNEDIN, FL 34697

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 14, 2042

Interest

Rate Type	Adjustable Rate

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	$5,912.00 (+7.28%) Homeowner's exemption	$353,587 (+5.99%)	$407,173 (+12.86%) Land $153,475 Building $253,698
2023	$5,511.00 (+2.82%) Homeowner's exemption	$333,614 (+3%)	$360,790 (+11.39%) Land $165,305 Building $195,485
2022	$5,360.00 Homeowner's exemption	$323,897	$323,897 Land $170,783 Building $153,114

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 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force

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

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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