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12717 98th St, Largo, FL 33773 Property Records

Pinellas County property record for 12717 98th St, Largo, FL 33773

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,741 sqft · built 1980
Lot Size0.225 acres (9,827 sqft)
Owner2 Owner Names on Record
Last Sale$120,000 (May 2000)
Tax Bill$2,721 (2025)
Deeds & MortgagesMar 2021 Mortgage
Flood ZoneZone AE (high risk)
APNC62-000-750-1168-4

Property Details

APN / Parcel Number

Primary APNC62-000-750-1168-4
Alternative APNs
  • 11-30-15-09416-000-0410
  • 153011094160000410
  • R122448

Interior

Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,741 sqft Heated Area
1st Floor Area1,741 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1988
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeFooting
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area9,827 sqft (0.225 acres)
Lot Dimensions130 ft deep x 76 ft wide
Garage Area441 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFinished/Screened Porch
Porch Area458 sqft
Deck Area80 sqft
Patio Area80 sqft
Shed1 Shed
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR122448
Old Parcel Number153011094160000410
Street Address12717 98TH ST
CityLARGO
StateFL
Zip33773-1210
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBLUE WATER COVE LOT 41
Legal Range15
Legal Township30
Legal Section11
Legal SubdivisionBLUE WATER COVE
Legal Lot Number41
JurisdictionPINELLAS FL
Township / Civil DivisionCLEARWATER
Census Block Group1
Census Block1027
Census Tract25021

Owner

Source: Pinellas County records, as of December 26, 2025

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

Owner of Record2 Owner Names on Record
Mailing Address12717 98TH ST, LARGO, FL 33773-1210
OccupancyOwner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 5, 2000 · Amount on Record
Deed SaleMay 5, 2000 · Amount on Record
Deed Document Number1090201429
Deed Book / Page10902 / 01429
Record UpdatedJun 8, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address12717 98TH ST, LARGO, FL 33773-1210
Transaction TypeMortgage
Record UpdatedApr 6, 2021
Title CompanyINSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address12717 98TH ST, LARGO, FL 33773-1210

Mortgage

Document Number0214411569
DateMar 18, 2021
Book Page21441/1569
Instrument2021088655
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2051

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of July 1, 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$2,721.00 (+4.98%) Homeowner's exemption$185,223 (+5.99%)$373,128 (+7.82%) Land $152,339 Building $220,789
2023$2,592.00 (+1.73%) Homeowner's exemption$174,760 (+3%)$346,060 (+16.64%) Land $167,358 Building $178,702
2022$2,548.00 Homeowner's exemption$169,670$296,694 Land $158,729 Building $137,965

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

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 99.1% of the US · lower than 98.7% 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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