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12800 98th St, Largo, FL 33773 Property Records

Pinellas County property record for 12800 98th St, Largo, FL 33773

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,472 sqft · built 1981
Lot Size0.195 acres (8,507 sqft)
Owner2 Individual Names on File
Last Sale$559,000 (Feb 2025)
Tax Bill$8,008 (2025)
Deeds & MortgagesOct 2026 Mortgage
Flood ZoneZone AE (high risk)
APNC62-000-750-1181-7

Property Details

APN / Parcel Number

Primary APNC62-000-750-1181-7
Alternative APNs
  • 11-30-15-09416-000-0840
  • 301511094160000840
  • 153011094160000840
  • R122461

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,472 sqft Living Area
Gross Area2,240 sqft
1st Floor Area1,472 sqft
FlooringCarpet
Interior WallsComposition

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1991
Architectural StyleCustom Design
Exterior MaterialBrick
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialTile
Lot Area8,507 sqft (0.195 acres)
Lot Dimensions100 ft deep x 85 ft wide
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchPatio
Porch Area306 sqft
Deck Area630 sqft
Patio Area480 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR122461
Street Address12800 98TH ST
CityLARGO
StateFL
Zip33773-1211
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR3
Legal DescriptionBLUE WATER COVE LOT 84
Legal Range15E
Legal Township30S
Legal Section11
Legal SubdivisionBLUE WATER COVE
Legal Tract9416
Legal Lot Number84
JurisdictionPINELLAS FL
Township / Civil DivisionCLEARWATER
Census Block Group1
Census Block1026
Census Tract25021

Owner

12800 98th St is owned and occupied by two individuals who bought it in February 2025.

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

Owner of Record2 Individual Names on File
Mailing Address12800 98TH ST, LARGO, FL 33773-1211
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

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 SaleFeb 10, 2025 · Amount on File
Deed SaleFeb 10, 2025 · Amount on File
Prior SaleOct 21, 2024 · Amount on File
Deed Document Number202540975
Deed Book / Page23058 / 1400
Prior Transfer DateJun 10, 2014
Prior Transfer Doc0184300048
Record UpdatedOct 29, 2026

October 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPINELLAS FL
Recording DateOct 6, 2026
Property Address12800 98TH ST, LARGO, FL 33773-1211
Document Number0000265347
Book / Page23715 / 20
Instrument DateSep 28, 2026
Instrument2026265347
Transaction TypeMortgage
Record UpdatedOct 23, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address12800 98TH ST, LARGO, FL 33773-1211

Mortgage

Document Number0000265347,
DateOct 6, 2026
Book Page23715/20
Instrument2026265347
Lender
NameSUN WEST MORTGAGE COMPANY INC
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueNov 1, 2056
Interest
Rate TypeAdjustable Rate
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

Tax Assessment & Valuation

The 2025 property tax bill for 12800 98th St was $8,008, up 130.3% from the year before.

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$8,008.00 (+130.31%)$442,819 Land $154,650 Building $288,169$442,819 Land $154,650 Building $288,169
2024$3,477.00 (-0.32%)
2023$3,488.00 (+1.4%) Homeowner's exemption$223,963 (+3%)$338,820 (+13.35%) Land $165,015 Building $173,805
2022$3,440.00 Homeowner's exemption$217,440$298,925 Land $159,883 Building $139,042

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

FEMA maps place 12800 98th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

Wildfire risk around 12800 98th St is low, with less than a 0.01% annual chance of 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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