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12805 98th St, Largo, FL 33773 Property Records

Pinellas County property record for 12805 98th St, Largo, FL 33773

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,792 sqft · built 1981
Lot Size0.284 acres (12,371 sqft)
OwnerIndividual Name on Record
Last Sale$290,000 (Feb 2020)
Tax Bill$4,113 (2025)
Deeds & MortgagesFeb 2020 Sale & Mortgage
Flood ZoneZone AE (high risk)
APNC62-000-750-1164-3

Property Details

APN / Parcel Number

Primary APNC62-000-750-1164-3
Alternative APNs
  • 11-30-15-09416-000-0370
  • 301511094160000370
  • 153011094160000370
  • R122444

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures7 Plumbing Fixtures
Stories1 Story
Building Area1,792 sqft Living Area
Gross Area2,620 sqft
1st Floor Area1,792 sqft
FlooringCarpet
Interior WallsComposition
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1995
Architectural StyleCustom Design
Exterior MaterialBrick
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialOther
Lot Area12,371 sqft (0.284 acres)
Lot Dimensions178 ft deep x 69 ft wide
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchPatio
Porch Area387 sqft
Shed1 Shed
Shed Area64 sqft
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account NumberR122444
Street Address12805 98TH ST
CityLARGO
StateFL
Zip33773-1212
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR3
Legal DescriptionBLUE WATER COVE LOT 37
Legal Range15E
Legal Township30S
Legal Section11
Legal SubdivisionBLUE WATER COVE
Legal Tract9416
Legal Lot Number37
JurisdictionPINELLAS FL
Township / Civil DivisionCLEARWATER
Census Block Group1
Census Block1027
Census Tract25021

Owner

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

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

Owner of RecordIndividual Name on Record
Mailing Address12805 98TH ST, LARGO, FL 33773-1212
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 17, 2020 · Amount on Record
Deed SaleFeb 17, 2020 · Amount on Record
Prior SaleAug 2, 2004 · Amount on Record
Deed Document Number202054002
Deed Book / Page20886 / 692
Record UpdatedOct 29, 2026

February 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPINELLAS FL
Recording DateFeb 17, 2020
Property Address12805 98TH ST, LARGO, FL 33773-1212
Document Number0208860692
Book / Page020886 / 000692
Instrument DateFeb 12, 2020
Instrument54002
Transaction TypeTransfer
Record UpdatedMar 4, 2020
Title CompanySEMINOLE TITLE COMPANY, SEMINOLE TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,030.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address12805 98TH ST LARGO FL 337731212, LARGO, FL 33773-1212

Mortgage

Document Number208860694
DateFeb 17, 2020
Book Page020886/000694
Instrument54003
Lender
NameLEGEND LNDG
AddressHOUSTON, TX 77058
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueFeb 16, 2050

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 ValueAssessed Market Value
2025$4,113.00 (+4.23%) Homeowner's exemption$263,979 (+5.99%)$419,819 (+11.99%) Land $156,395 Building $263,424
2023$3,946.00 (+1.31%) Homeowner's exemption$249,067 (+3%)$374,881 (+13.55%) Land $171,974 Building $202,907
2022$3,895.00 Homeowner's exemption$241,813$330,151 Land $166,829 Building $163,322

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 99.8% 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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