Pinellas County property record for 12659 97th St, Largo, FL 33773
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,906 sqft · built 1980 |
| Lot Size | 0.172 acres (7,479 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $210,000 (Jul 2017) |
| Tax Bill | $5,627 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Jul 2017 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | R122478 |
| Primary APN | R122478 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,906 sqft Living Area |
| Gross Area | 2,674 sqft |
| 1st Floor Area | 1,906 sqft |
| Interior Walls | Composition |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Lot Area | 7,479 sqft (0.172 acres) |
| Lot Dimensions | 104 ft deep x 74 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Patio |
|---|---|
| Porch Area | 306 sqft |
| Deck Area | Deck Area |
| Patio Area | 325 sqft |
| Shed | 1 Shed |
| Shed Area | 132 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R122478 |
|---|---|
| Street Address | 12659 97TH ST |
| City | LARGO |
| State | FL |
| Zip | 33773-1215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLUE WATER COVE 1ST ADD LOT 54 |
| Legal Subdivision | BLUE WATER COVE 1ST ADD |
| Legal Lot Number | 54 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 25021 |
Source: Pinellas County records, as of September 17, 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 |
|---|---|
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 20, 2023 | Deed of Trust, Mortgage · Commercial Mortgage ACHIEVA CU |
| Jul 6, 2017 | Warranty Deed, Transfer · Conventional Mortgage SUCCESS MORTGAGE PARTNERS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 6, 2017 · Amount on Record |
| Deed Sale | Jul 6, 2017 · Amount on Record |
| Prior Sale | Jan 4, 2005 · Amount on Record |
| Deed Document Number | 2017208690 |
| Deed Book / Page | 19692 / 2554 |
| Prior Transfer Date | Mar 23, 2009 |
| Prior Transfer Doc | 0165311333 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 12659 97TH ST, LARGO, FL 33773-1215 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0226002138 |
|---|---|
| Date | Oct 20, 2023 |
| Book Page | 22600/2138 |
| Instrument | 2023270070 |
| Name | ACHIEVA CU |
|---|---|
| Type | Credit Union |
| Address | DUNEDIN, FL 34698 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Jul 6, 2017 |
| Property Address | 12659 97TH ST, LARGO, FL 33773-1215 |
| Document Number | 0196922554 |
| Book / Page | 19692 / 2554 |
| Map Reference | MB81 PG71 |
| Instrument Date | Jun 27, 2017 |
| Instrument | 2017208690 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | STAR TITLE PARTNERS OF PALM |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,470.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 12659 97TH ST, LARGO, FL 33773-1215 |
| Document Number | 2017208691 |
|---|---|
| Date | Jul 6, 2017 |
| Instrument | 2017208691 |
| Name | SUCCESS MORTGAGE PARTNERS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2047 |
| Document Number | 0196922575 |
|---|---|
| Date | Jul 6, 2017 |
| Book Page | 19692/2575 |
| Instrument | 2017208692 |
| Name | MADELINE KALISH |
|---|---|
| Type | Private Party |
| Address | 1200 MS SHELDON ROAD, PLYMOUTH, MI 48170 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $5,627.00 (+47.81%) | |
| 2024 | $3,807.00 (-0.39%) | |
| 2023 | $3,822.00 (+5.96%) Homeowner's exemption | |
| 2022 | $3,607.00 Homeowner's exemption | $2,177 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|
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.
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.
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 |
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.
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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