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12686 98th St, Largo, FL 33773 Property Records

Pinellas County property record for 12686 98th St, Largo, FL 33773

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,741 sqft · built 1980
Lot Size0.224 acres (9,744 sqft)
OwnerIndividual Name on Record
Last Sale$589,000 (Oct 2024)
Tax Bill$8,714 (2025)
Deeds & MortgagesAug 2022 Sale
Flood ZoneZone AE (high risk)
APNC62-000-750-1176-7

Property Details

APN / Parcel Number

Primary APNC62-000-750-1176-7
Alternative APNs
  • 11-30-15-09416-000-0790
  • 301511094160000790
  • 153011094160000790
  • R122456

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,741 sqft Living Area
Gross Area2,598 sqft
1st Floor Area1,741 sqft
FlooringCarpet
Interior WallsComposition

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1991
Architectural StyleCustom Design
Exterior MaterialBrick
Construction TypeMasonry / Concrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialTile
Lot Area9,744 sqft (0.224 acres)
Lot Dimensions130 ft deep x 75 ft wide
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area416 sqft
Deck Area80 sqft
Patio Area80 sqft
Shed1 Shed
Shed Area108 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR122456
Street Address12686 98TH ST
CityLARGO
StateFL
Zip33773-1207
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR3
Legal DescriptionBLUE WATER COVE LOT 79
Legal Range15E
Legal Township30S
Legal Section11
Legal SubdivisionBLUE WATER COVE
Legal Tract9416
Legal Lot Number79
JurisdictionPINELLAS FL
Township / Civil DivisionCLEARWATER
Census Block Group1
Census Block1026
Census Tract25021

Owner

Source: Pinellas County records, as of October 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address64 RESERVOIR AVE, REVERE, MA 02151-5800
Owner TypeIndividual
VestingSingle Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 4, 2024 · Amount on Record
Deed SaleOct 4, 2024 · Amount on Record
Prior SaleOct 28, 2015 · Amount on Record
Deed Document Number2024251011
Deed Book / Page22941 / 28
Prior Transfer DateAug 19, 2015
Prior Transfer Doc0188911130
Record UpdatedOct 29, 2026

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateAug 11, 2022
Property Address12686 98TH ST, LARGO, FL 33773-1207
Document Number0221642497
Book / Page22164 / 2497
Map ReferenceMB 80 PG 45-48
Instrument DateJul 29, 2022
Instrument2022245348
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12686 98TH ST, 12686, LARGO, FL 33773-1207

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address12686 98TH ST, LARGO, FL 33773-1207

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyPinellas County
Unified School DistrictPinellas County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$8,714.00 (+189.31%)$482,763 (+144.03%) Land $152,002 Building $330,761$482,763 (+8.64%) Land $152,002 Building $330,761
2023$3,012.00 (+1.55%) Homeowner's exemption$197,831 (+3%)$444,376 (+34.63%) Land $172,139 Building $272,237
2022$2,966.00 Homeowner's exemption$192,069$330,069 Land $158,351 Building $171,718

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.

Flood

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 158 policies
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies158 in force
Nearby Flood Claims18 (2012–2024)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 97% of the US · lower than 96% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemPINELLAS COUNTY UTILITIES
serves 506,353 people · EPA ID FL6521405
Water SourcePurchased surface water from several systems
Last State InspectionMar 2023
LeadUnder 1 ppb (2020)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting17
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

ProviderMax 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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