Pinellas County property record for 12685 Ridge Rd, Largo, FL 33778
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,368 sqft · built 1972 |
| Lot Size | 0.181 acres (7,876 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $133,000 (Jun 2000) |
| Tax Bill | $2,079 (2025) |
| Deeds & Mortgages | Nov 2023 Sale Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-749-8516-9 |
| Primary APN | C62-000-749-8516-9 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,368 sqft Living Area |
| Gross Area | 2,696 sqft |
| 1st Floor Area | 1,368 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 7,876 sqft (0.181 acres) |
| Lot Dimensions | 105 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 908 sqft |
| Deck Area | 220 sqft |
| Patio Area | 220 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R101775 |
|---|---|
| Street Address | 12685 RIDGE RD |
| City | LARGO |
| State | FL |
| Zip | 33778-1813 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORANGEWOOD ESTATES SUB LOT 43 |
| Legal Range | 15E |
| Legal Township | 30S |
| Legal Section | 9 |
| Legal Subdivision | ORANGEWOOD ESTATES SUB |
| Legal Tract | 64737 |
| Legal Lot Number | 43 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 25307 |
12685 Ridge Rd is owned and occupied by two individuals who acquired it in November 2023.
Source: Pinellas County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12685 RIDGE RD, LARGO, FL 33778-1813 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
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 |
|---|---|
| Nov 17, 2023 | Deed, Transfer |
| Jan 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2000 · Amount on File |
| Deed Sale | Jun 28, 2000 · Amount on File |
| Deed Book / Page | 10960 / 1882 |
| Last Transfer Date | Nov 17, 2023 |
| Transfer Doc | 0226252235 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Nov 17, 2023 |
| Property Address | 12685 RIDGE RD, LARGO, FL 33778-1813 |
| Document Number | 0226252235 |
| Book / Page | 22625 / 2235 |
| Instrument Date | Nov 17, 2023 |
| Instrument | 2023294176 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12685 RIDGE RD, LARGO, FL 33778-1813 |
| Name | Verified Name |
|---|---|
| Address | 12685 RIDGE RD, LARGO, FL 33778-1813 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 12685 RIDGE RD, LARGO, FL 33778-1813 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0213472171 |
|---|---|
| Date | Jan 19, 2021 |
| Book Page | 21347/2171 |
| Instrument | 2021017288 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
The 2025 property tax bill for 12685 Ridge Rd was $2,079 with a homeowner's exemption, up 6.3% from the year before.
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Municipality | Largo City |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,079.00 (+6.29%) Homeowner's exemption | $151,737 | $346,792 Land $144,236 Building $202,556 |
| 2024 | $1,956.00 (+2.41%) | ||
| 2023 | $1,910.00 (+3.69%) Homeowner's exemption | $143,166 (+3%) | $318,494 (+13.07%) Land $154,481 Building $164,013 |
| 2022 | $1,842.00 Homeowner's exemption | $138,996 | $281,691 Land $155,873 Building $125,818 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12685 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1998.
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 File 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.
The area around 12685 Ridge Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures