12658 116th St, Largo, FL 33778 Property Records

Pinellas County property record for 12658 116th St, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,527 sqft · built 1979
Lot Size	0.154 acres (6,700 sqft)
Owner	Individual Name on Record
Last Sale	$342,000 (May 2020)
Tax Bill	$5,150 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Feb 2023 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-8102-8`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-8102-8`
Alternative APNs	`09-30-15-01970-000-0400` `301509019700000400` `153009019700000400` `R101361`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,527 sqft Living Area
Gross Area	2,395 sqft
1st Floor Area	1,527 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2005
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,700 sqft (0.154 acres)
Lot Dimensions	100 ft deep x 67 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	695 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	R101361
Street Address	12658 116TH ST
City	LARGO
State	FL
Zip	33778-1810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AVON RIDGE LOT 40
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	AVON RIDGE
Legal Tract	1970
Legal Lot Number	40
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	12658 116TH ST, LARGO, FL 33778-1810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2025	Deed of Trust, Mortgage · Line of Credit ACHIEVA CU
Feb 15, 2023	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
May 27, 2020	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Oct 4, 2019	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jan 11, 2019	Warranty Deed, Transfer LYONS TITLE AND TRUST, LYONS TITLE & TR
Oct 16, 2018	Warranty Deed, Construction Loan · Construction Mortgage GOLDMAN SACHS BANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2020 · Amount on Record
Deed Sale	May 27, 2020 · Amount on Record
Prior Sale	Oct 4, 2019 · Amount on Record
Deed Document Number	2020161146
Deed Book / Page	21014 / 866
Prior Transfer Date	Jul 25, 2011
Prior Transfer Doc	0173221949
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12658 116TH ST, LARGO, FL 33778-1810
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12658 116TH ST, LARGO, FL 33778-1810

Mortgage

Document Number	0233891112
Date	Dec 12, 2025
Book Page	23389/1112
Instrument	2025348947

Lender

Name	ACHIEVA CU
Type	Credit Union
Address	34967

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 27, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12658 116TH ST, LARGO, FL 33778-1810
Transaction Type	Mortgage
Record Updated	Mar 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12658 115TH ST, LARGO, FL 33778-1818

Mortgage

Document Number	0223452599
Date	Feb 15, 2023
Book Page	22345/2599
Instrument	2023039786

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 14, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12658 116TH ST, LARGO, FL 33778-1810
Transaction Type	Mortgage
Record Updated	Feb 26, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12658 116TH ST, LARGO, FL 33778-1810

Mortgage

Document Number	0213920820
Date	Feb 17, 2021
Book Page	21392/820
Instrument	2021051344

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	May 27, 2020
Property Address	12658 116TH ST, LARGO, FL 33778-1810
Document Number	0210140866
Book / Page	21014 / 866
Map Reference	MB 77 PG 8&9
Instrument Date	May 22, 2020
Instrument	2020161146
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	TITLE & ABSTRACT AGCY OF AME

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,394.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	115 PICARDY VILLA CIR APT 201, 115, BRANDON, FL 33510-4645

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12658 116TH ST, LARGO, FL 33778-1810

Mortgage

Document Number	0021014869
Date	May 27, 2020
Instrument	21014/869

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

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

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 4, 2019
Property Address	12658 116TH ST, LARGO, FL 33778-1810
Document Number	0207200415
Book / Page	020720 / 000415
Instrument Date	Oct 3, 2019
Instrument	320572
Transaction Type	Transfer
Record Updated	Oct 18, 2019
Title Company	COASTLINE TITLE/PINELLAS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,303.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12658 116TH ST LARGO FL 337781810, LARGO, FL 33778-1810

Mortgage

Document Number	207200417
Date	Oct 4, 2019
Book Page	020720/000417
Instrument	320573

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jan 11, 2019
Property Address	12658 116TH ST, LARGO, FL 33778-1810
Document Number	0203941584
Book / Page	020394 / 001584
Instrument Date	Jan 9, 2019
Instrument	12423
Transaction Type	Transfer
Record Updated	Feb 5, 2019
Title Company	LYONS TITLE AND TRUST, LYONS TITLE & TR

Transaction

Amount	Amount Recorded
Tax	$1,285.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 173859 DENVER CO 802173859, DENVER, CO 80217-3859

October 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 16, 2018
Property Address	12658 116TH ST, LARGO, FL 33778-1810
Document Number	0202990577
Book / Page	20299 / 0577
Map Reference	MB 77 PG 8&9
Instrument Date	Oct 15, 2018
Instrument	2018331504
Transaction Type	Construction Loan
Record Updated	Feb 1, 2022
Title Company	LYONS TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,127.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12658 116TH ST, 12658, LARGO, FL 33778-1810

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2575 N TOLEDO BLADE BLVD UNIT 1, 1, NORTH PORT, FL 34289-9350

Mortgage

Document Number	2018331505
Date	Oct 16, 2018
Instrument	2018331505

Lender

Name	GOLDMAN SACHS BANK USA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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	$5,150.00 (+7.4%) Homeowner's exemption	$313,442 (+5.99%)	$448,650 (+14.44%) Land $135,484 Building $313,166
2023	$4,795.00 (+2.9%) Homeowner's exemption	$295,736 (+3%)	$392,041 (+15.68%) Land $149,288 Building $242,753
2022	$4,660.00 Homeowner's exemption	$287,122	$338,911 Land $151,038 Building $187,873

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 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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