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12740 98th St, Largo, FL 33773 Property Records

Pinellas County property record for 12740 98th St, Largo, FL 33773

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,410 sqft · built 1980
Lot Size0.212 acres (9,226 sqft)
OwnerIndividual Name on File
Last Sale$234,000 (Dec 2019)
Tax Bill$2,542 (2025)
Deeds & MortgagesAug 2021 Mortgage
Flood ZoneZone AE (high risk)
APNR122458

Property Details

APN / Parcel Number

Primary APNR122458
Alternative APNs
  • 11-30-15-09416-000-0810
  • 301511094160000810

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,410 sqft Living Area
Gross Area2,070 sqft
1st Floor Area1,410 sqft
Interior WallsComposition

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1980
Exterior MaterialBrick
Roof TypeGable/Hip
Lot Area9,226 sqft (0.212 acres)
Lot Dimensions127 ft deep x 72 ft wide
Garage TypeAttached
Garage Area420 sqft
PorchPatio
Deck AreaDeck Area
Patio Area252 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR122458
Street Address12740 98TH ST
CityLARGO
StateFL
Zip33773-1209
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBLUE WATER COVE LOT 81
Legal SubdivisionBLUE WATER COVE
Legal Lot Number81
JurisdictionPINELLAS FL
Township / Civil DivisionCLEARWATER
Census Block Group1
Census Block1026
Census Tract25021

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on File
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 18, 2019 · Amount on File
Deed SaleDec 18, 2019 · Amount on File
Prior SaleNov 12, 2003 · Amount on File
Deed Document Number2019403898
Deed Book / Page20813 / 1678
Prior Transfer DateJun 26, 2012
Prior Transfer Doc0176330715
Record UpdatedOct 29, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Property Address12740 98TH ST, LARGO, FL 33773-1209
Transaction TypeMortgage
Record UpdatedAug 1, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address12740 98TH ST, LARGO, FL 33773-1209

Mortgage

Document Number0216811887
DateAug 23, 2021
Book Page21681/1887
Instrument2021275659
Lender
NameCHAMPIONS MORTGAGE LLC
TypeMortgage Company
AddressSEMINOLE, FL 33772
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2051

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 Value
2025$2,542.00 (-29.31%)
2024$3,596.00 (-0.33%)
2023$3,608.00 (+1.38%) Homeowner's exemption
2022$3,559.00 Homeowner's exemption$1,655

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 File
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 99.8% of the US · lower than 99.7% 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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