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12720 118th St, Largo, FL 33778 Property Records

Pinellas County property record for 12720 118th St, Largo, FL 33778

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,238 sqft · built 1971
Lot Size0.18 acres (7,841 sqft)
Owner2 Individual Names on File
Last Sale$17,600 (Dec 1971)
Tax Bill$586 (2025)
Deeds & MortgagesJul 2017 Line of Credit
Flood ZoneZone X (minimal risk)
APNC62-000-749-8320-6

Property Details

APN / Parcel Number

Primary APNC62-000-749-8320-6
Alternative APNs
  • 09-30-15-55728-000-0210
  • 153009557280000210
  • R101579

Interior

Full Baths1 Bath
Stories1 Story
Building Area1,238 sqft Heated Area
1st Floor Area1,238 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1971
Effective Year BuiltEffective 1993
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeFooting
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area7,841 sqft (0.18 acres)
Lot Dimensions110 ft deep x 62 ft wide
PorchOpen Porch
Porch Area70 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR101579
Old Parcel Number153009557280000210
Street Address12720 118TH ST
CityLARGO
StateFL
Zip33778-1541
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMARTIN TERRACE 1ST ADD LOT 21
Legal Range15
Legal Township30
Legal Section09
Legal SubdivisionMARTIN TERRACE 1ST ADD
Legal Lot Number21
JurisdictionPINELLAS FL
Township / Civil DivisionCLEARWATER
Census Block Group1
Census Block1056
Census Tract25307

Owner

12720 118th St is owned and occupied by two individuals who bought it in December 1971.

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

Owner of Record2 Individual Names on File
Co-ownerCo-owner on File
Mailing Address12720 118TH ST, LARGO, FL 33778-1541
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 31, 1971 · Amount on File
Deed SaleDec 31, 1971 · Amount on File
Deed Document Number0003585479
Record UpdatedJun 8, 2026

July 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address12720 118TH ST, SEMINOLE, FL 33778-1541
Document Number0197150716
Book / Page019715 / 000716
Instrument DateJul 13, 2017
Transaction TypeMortgage
Record UpdatedAug 15, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address12720 118TH ST LARGO FL 337781541, LARGO, FL 33778-1541

Mortgage

Document Number0197150716
DateJul 25, 2017
Book Page019715/000716
Instrument229416
Lender
NameTHIRD FED'L S&L/CLEVELAND
TypeFederal Savings Bank
AddressCLEVELAND, OH 44105
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueJul 24, 2047
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 12720 118th St was $586 with a homeowner's exemption.

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$586.00 Homeowner's exemption$52,800$239,844 Land $98,045 Building $141,799
2023$572.00 (+3.62%) Homeowner's exemption$49,817 (+3%)$194,258 (+21.1%) Land $99,898 Building $94,360
2022$552.00 Homeowner's exemption$48,366$160,412 Land $88,202 Building $72,210

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

Flood

FEMA maps place 12720 118th St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2024.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 35 policies
Community Rating SystemClass 2 (40% premium discount)
Nearby Flood Policies35 in force
Nearby Flood Claims3 (2024)
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 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 12720 118th St is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood0.02% 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 70 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
WOW Internet, Cable & Phone
Cable		1,200 / 50
Spectrum
Cable		1,000 / 1,000
AT&T
Fixed Wireless		100 / 20

May also be available: Verizon.

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