Pinellas County property record for 12663 98th St, Largo, FL 33773
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,444 sqft · built 1980 |
| Lot Size | 0.209 acres (9,104 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (Mar 2018) |
| Tax Bill | $1,474 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Dec 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | R122450 |
| Primary APN | R122450 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,444 sqft Living Area |
| Gross Area | 2,104 sqft |
| 1st Floor Area | 1,444 sqft |
| Interior Walls | Composition |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Lot Area | 9,104 sqft (0.209 acres) |
| Lot Dimensions | 130 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Patio |
|---|---|
| Deck Area | Deck Area |
| Patio Area | 132 sqft |
| Shed | 1 Shed |
| Shed Area | 48 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R122450 |
|---|---|
| Street Address | 12663 98TH ST |
| City | LARGO |
| State | FL |
| Zip | 33773-1208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLUE WATER COVE LOT 43 |
| Legal Subdivision | BLUE WATER COVE |
| Legal Lot Number | 43 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 25021 |
12663 98th St is owned by an individual who bought it in March 2018.
Source: Pinellas County records, as of September 10, 2026
| Owner of Record | Individual Name on File |
|---|---|
| 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.
| Date | Document |
|---|---|
| Mar 19, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Dec 28, 2021 | Deed of Trust, Mortgage · VA Mortgage GOODLEAP LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 5, 2018 · Amount on File |
| Deed Sale | Mar 5, 2018 · Amount on File |
| Prior Sale | Oct 13, 2017 · Amount on File |
| Deed Document Number | 201866635 |
| Deed Book / Page | 19962 / 421 |
| Prior Transfer Date | Oct 17, 2008 |
| Prior Transfer Doc | 0168731268 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 12663 98TH ST, LARGO, FL 33773-1208 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 12663 98TH ST, LARGO, FL 33773-1208 |
| Document Number | 0214440722 |
|---|---|
| Date | Mar 19, 2021 |
| Book Page | 21444/722 |
| Instrument | 2021090608 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | Apr 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 12663 98TH ST, LARGO, FL 33773-1208 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2022 |
| Title Company | NATIONAL CLOSING SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 12663 98TH ST, LARGO, FL 33773-1208 |
| Document Number | 0218670202 |
|---|---|
| Date | Dec 28, 2021 |
| Book Page | 21867/202 |
| Instrument | 2021418324 |
| Name | GOODLEAP LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | ROSEVILLE, CA 95661 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
The 2025 property tax bill for 12663 98th St was $1,474, down 24.4% from the year before.
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 | $1,474.00 (-24.37%) | |
| 2024 | $1,949.00 (+0.46%) | |
| 2023 | $1,940.00 (+2.27%) Homeowner's exemption Veteran's exemption | |
| 2022 | $1,897.00 Homeowner's exemption Veteran's exemption | $2,061 |
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.
FEMA maps place 12663 98th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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.
Wildfire risk around 12663 98th St is low, with less than a 0.01% annual chance of 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures