12645 97th St, Largo, FL 33773 Property Records

Pinellas County property record for 12645 97th St, Largo, FL 33773

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,624 sqft · built 1980
Lot Size	0.177 acres (7,706 sqft)
Owner	Individual Name on Record
Last Sale	$577,000 (Nov 2025)
Tax Bill	$5,273 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`C62-000-750-1199-9`

Property Details

APN / Parcel Number

Primary APN	`C62-000-750-1199-9`
Alternative APNs	`11-30-15-09417-000-0550` `301511094170000550` `153011094170000550` `R122479`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,624 sqft Living Area
Gross Area	2,520 sqft
1st Floor Area	1,624 sqft
Flooring	Carpet

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2004
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	7,706 sqft (0.177 acres)
Lot Dimensions	110 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	434 sqft
Deck Area	Deck Area
Patio Area	222 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R122479
Street Address	12645 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 55
Legal Range	15E
Legal Township	30S
Legal Section	11
Legal Subdivision	BLUE WATER COVE 1ST ADD
Legal Tract	9417
Legal Lot Number	55
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	12976 98TH ST, LARGO, FL 33773-1213
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Aug 2, 2019	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC
Feb 11, 2019	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2025 · Amount on Record
Deed Sale	Nov 20, 2025 · Amount on Record
Prior Sale	Aug 2, 2019 · Amount on Record
Deed Document Number	2025327045
Deed Book / Page	23366 / 370
Prior Transfer Date	Feb 6, 2019
Prior Transfer Doc	0204251658
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Nov 20, 2025
Property Address	12645 97TH ST, LARGO, FL 33773-1215
Document Number	0233660370
Book / Page	23366 / 370
Map Reference	MB 81 PG 71-73
Instrument Date	Nov 14, 2025
Instrument	2025327045
Transaction Type	Transfer
Record Updated	Dec 16, 2025
Title Company	RED DOOR TITLE, RED DOOR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,039.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	907 GARLAND AVE, NOKOMIS, FL 34275-2231

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12976 98TH ST, LARGO, FL 33773-1213

Mortgage

Document Number	0023366372
Date	Nov 20, 2025
Instrument	23366/372

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Aug 2, 2019
Property Address	12645 97TH ST, LARGO, FL 33773-1215
Document Number	0206382377
Book / Page	20638 / 2377
Map Reference	MB 81 PG 71-73
Instrument Date	Jul 10, 2019
Instrument	2019244873
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	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7545 124TH AVE, 7545, LARGO, FL 33773-3016

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12645 97TH ST, LARGO, FL 33773-1215

Mortgage

Document Number	0206382379
Date	Aug 2, 2019
Instrument	20638/2379

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2039

February 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	PINELLAS FL
Recording Date	Feb 11, 2019
Property Address	12645 97TH ST, LARGO, FL 33773-1215
Document Number	0204251658
Book / Page	020425 / 001658
Instrument Date	Jan 24, 2019
Instrument	44416
Transaction Type	Foreclosure
Record Updated	Feb 27, 2019

Transaction

Amount	Amount Recorded
Tax	$1,442.70
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9475 94TH ST SEMINOLE FL 337772110, SEMINOLE, FL 33777-2110

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	$5,273.00 (+4.52%)	$329,616 (+2.9%)	$472,875 (+2.28%) Land $136,276 Building $336,599
2024	$5,045.00 (+0.32%) Homeowner's exemption	$320,327 (+3.82%)	$462,332 (+3.56%) Land $165,076 Building $297,256
2023	$5,029.00 (+1.13%) Homeowner's exemption	$308,544 (+3%)	$446,453 (+20.4%) Land $155,973 Building $290,480
2022	$4,973.00 Homeowner's exemption	$299,557	$370,820 Land $147,390 Building $223,430

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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