12672 96th St, Largo, FL 33773 Property Records

Pinellas County property record for 12672 96th St, Largo, FL 33773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,404 sqft · built 1981
Lot Size	0.211 acres (9,174 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Jun 2019)
Tax Bill	$4,325 (2025)
Deeds & Mortgages	May 2022 Mortgage Jul 2023 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`C62-000-750-1206-2`

Property Details

APN / Parcel Number

Primary APN	`C62-000-750-1206-2`
Alternative APNs	`11-30-15-09417-000-0620` `301511094170000620` `153011094170000620` `R122486`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,404 sqft Living Area
Gross Area	2,184 sqft
1st Floor Area	1,404 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,174 sqft (0.211 acres)
Lot Dimensions	92 ft deep x 78 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	339 sqft
Deck Area	Deck Area
Patio Area	624 sqft
Shed	1 Shed
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R122486
Street Address	12672 96TH ST
City	LARGO
State	FL
Zip	33773-1216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	BLUE WATER COVE 1ST ADD LOT 62
Legal Range	15E
Legal Township	30S
Legal Section	11
Legal Subdivision	BLUE WATER COVE 1ST ADD
Legal Tract	9417
Legal Lot Number	62
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1027
Census Tract	25021

Owner

12672 96th St is owned and occupied by two individuals who bought it in June 2019.

Source: Pinellas County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12672 96TH ST, LARGO, FL 33773-1216
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
May 13, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Jul 27, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Mar 24, 2020	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Jun 19, 2019	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2019 · Amount on File
Deed Sale	Jun 19, 2019 · Amount on File
Prior Sale	Nov 17, 2010 · Amount on File
Deed Document Number	2019194398
Deed Book / Page	20583 / 1713
Prior Transfer Date	Oct 11, 2016
Prior Transfer Doc	0193721033
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12672 96TH ST, LARGO, FL 33773-1216
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12672 96TH ST, LARGO, FL 33773-1216

Mortgage

Document Number	0220621502
Date	May 13, 2022
Book Page	22062/1502
Instrument	2022154284

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12672 96TH ST, LARGO, FL 33773-1216
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12672 96TH ST, LARGO, FL 33773-1216

Mortgage

Document Number	0225171044
Date	Jul 27, 2023
Book Page	22517/1044
Instrument	2023194908

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Jul 1, 2063

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12672 96TH ST, LARGO, FL 33773-1216
Document Number	0209452079
Instrument Date	Mar 24, 2020
Transaction Type	Mortgage
Record Updated	Apr 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12672 96TH ST LARGO FL 337731216, LARGO, FL 33773-1216

Mortgage

Document Number	0209452079
Date	Mar 31, 2020
Book Page	020945/002079
Instrument	107509

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 30, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jun 19, 2019
Property Address	12672 96TH ST, LARGO, FL 33773-1216
Document Number	0205831713
Book / Page	20583 / 1713
Map Reference	MB 81 PG 71
Instrument Date	Jun 19, 2019
Instrument	2019194398
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4127 53RD AVE S, 4127, SAINT PETERSBURG, FL 33711-4741

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12672 96TH ST, LARGO, FL 33773-1216

Mortgage

Document Number	0205831715
Date	Jun 19, 2019
Instrument	20583/1715

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 12672 96th St was $4,325 with a homeowner's exemption, up 4.6% from the year before.

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	$4,325.00 (+4.65%) Homeowner's exemption	$275,982	$401,539 Land $134,313 Building $267,226
2024	$4,133.00 (-0.46%)
2023	$4,152.00 (+1.27%) Homeowner's exemption	$260,392 (+3%)	$368,308 (+14.37%) Land $148,035 Building $220,273
2022	$4,100.00 Homeowner's exemption	$252,808	$322,046 Land $143,833 Building $178,213

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12672 96th St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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	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

Wildfire risk around 12672 96th 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.

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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