12768 Oak St, Largo, FL 33774 Property Records

Pinellas County property record for 12768 Oak St, Largo, FL 33774

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,088 sqft · built 1984
Lot Size	0.139 acres (6,059 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Dec 2021)
Tax Bill	$6,367 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-7186-2`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-7186-2`
Alternative APNs	`08-30-15-49843-000-0030` `301508498430000030` `153008498430000030` `R90674`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,088 sqft Living Area
Gross Area	1,772 sqft
1st Floor Area	1,088 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1999
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,059 sqft (0.139 acres)
Lot Dimensions	112 ft deep x 54 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	204 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R90674
Street Address	12768 OAK ST
City	LARGO
State	FL
Zip	33774-3124
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANCIONE SUB LOT 3
Legal Range	15E
Legal Township	30S
Legal Section	8
Legal Subdivision	LANCIONE SUB
Legal Tract	49843
Legal Lot Number	3
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	4
Census Block	4001
Census Tract	25209

Owner

12768 Oak St is owned by two individuals who bought it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1634 ENESCO AVE, SAN JOSE, CA 95121-1636
Owner Type	Individual

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

Date	Document
Dec 22, 2021	Warranty Deed, Transfer · Conventional Mortgage ABSOLUTE HOME MORTGAGE CORP
Mar 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage SECURITY NATIONAL MORTGAGE CO
Aug 24, 2017	Warranty Deed, Transfer · FHA Mortgage VAN DYK MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2021 · Amount on File
Deed Sale	Dec 22, 2021 · Amount on File
Prior Sale	Aug 24, 2017 · Amount on File
Deed Document Number	2021413582
Deed Book / Page	21860 / 2667
Transfer Doc	8932001886
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Dec 22, 2021
Property Address	12768 OAK ST, LARGO, FL 33774-3124
Document Number	0218602667
Book / Page	21860 / 2667
Map Reference	MB 74 PG 29
Instrument Date	Dec 16, 2021
Instrument	2021413582
Transaction Type	Transfer
Record Updated	Dec 29, 2025
Title Company	COMPASS LAND AND TITLE, COMPASS LAND & TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	445 W UNIVERSITY AVEA, SAN DIEGO, CA 92103

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1634 ENESCO AVE, SAN JOSE, CA 95121-1636
Investor	Possibly a Property Investor

Mortgage

Document Number	0218602669
Date	Dec 22, 2021
Instrument	21860/2669

Lender

Name	ABSOLUTE HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12768 OAK ST, LARGO, FL 33774-3124
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0209350691
Date	Mar 24, 2020
Book Page	20935/691
Instrument	2020097739

Lender

Name	SECURITY NATIONAL MORTGAGE CO
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84123

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Aug 24, 2017
Property Address	12768 OAK ST, LARGO, FL 33774-3124
Document Number	0197491836
Book / Page	19749 / 1836
Map Reference	MB74 PG29
Instrument Date	Aug 18, 2017
Instrument	2017262172
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	FIDELITY NATL TITLE OF FLORI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12760 INDIAN ROCKS RD APT 536, 12760, LARGO, FL 33774-2318

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12768 OAK ST, LARGO, FL 33774-3124

Mortgage

Document Number	2017262173
Date	Aug 24, 2017
Instrument	2017262173

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 12768 Oak St was $6,367.

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

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Municipality	Largo City
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,367.00	$337,732 Land $112,323 Building $225,409	$337,732 Land $112,323 Building $225,409
2023	$5,383.00 (+12.69%)	$303,256 (+20.79%)	$303,256 (+20.79%) Land $131,794 Building $171,462
2022	$4,777.00	$251,063	$251,063 Land $119,282 Building $131,781

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

Flood

FEMA maps place 12768 Oak 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 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	3 (2024)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 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 12768 Oak 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 Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 345 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.

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