12809 126th Ter, Largo, FL 33774 Property Records

Pinellas County property record for 12809 126th Ter, Largo, FL 33774

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,435 sqft · built 1978
Lot Size	0.158 acres (6,904 sqft)
Owner	Individual Name on File
Last Sale	$268,900 (Mar 2018)
Tax Bill	$3,853 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-7241-5`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-7241-5`
Alternative APNs	`08-30-15-57987-000-0470` `153008579870000470` `R90729`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,435 sqft Heated Area
1st Floor Area	1,435 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1996
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,904 sqft (0.158 acres)
Lot Dimensions	115 ft deep x 60 ft wide
View / Lot	Water
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	172 sqft
Deck Area	150 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R90729
Old Parcel Number	153008579870000470
Street Address	12809 126TH TER
City	LARGO
State	FL
Zip	33774-2610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILL POND LOT 47
Legal Range	15
Legal Township	30
Legal Section	08
Legal Subdivision	MILL POND
Legal Lot Number	47
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2012
Census Tract	25207

Owner

12809 126th Ter is owned and occupied by an individual who bought it in March 2018.

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

Owner of Record	Individual Name on File
Mailing Address	12809 126TH TER, LARGO, FL 33774-2610
Occupancy	Owner Occupied
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
Apr 5, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 10, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 21, 2018	Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2018 · Amount on File
Deed Sale	Mar 21, 2018 · Amount on File
Prior Sale	Mar 6, 2003 · Amount on File
Deed Document Number	2018085939
Deed Book / Page	19981 / 2401
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12809 126TH TER, LARGO, FL 33774-2610
Transaction Type	Mortgage
Record Updated	Apr 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12809 126TH TER, LARGO, FL 33774-2610

Mortgage

Document Number	0227571790
Date	Apr 5, 2024
Book Page	22757/1790
Instrument	2024086375

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12809 126TH TER, LARGO, FL 33774-2610
Transaction Type	Mortgage
Record Updated	Mar 29, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12809 126TH TER, LARGO, FL 33774-2610

Mortgage

Document Number	0214262044
Date	Mar 10, 2021
Book Page	21426/2044
Instrument	2021077180

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Mar 21, 2018
Property Address	12809 126TH TER, LARGO, FL 33774-2610
Document Number	0199812401
Book / Page	019981 / 002401
Instrument Date	Mar 20, 2018
Instrument	85939
Transaction Type	Transfer
Record Updated	Apr 5, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,882.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12809 126TH TER LARGO FL 337742610, LARGO, FL 33774-2610

Mortgage

Document Number	199812403
Date	Mar 21, 2018
Book Page	019981/002403
Instrument	85940

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 20, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12809 126th Ter was $3,853 with a homeowner's exemption.

Source: Pinellas County assessment roll, as of July 1, 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	$3,853.00 Homeowner's exemption	$245,126	$344,876 Land $119,548 Building $225,328
2023	$3,576.00 (+3.05%) Homeowner's exemption	$231,280 (+3%)	$316,549 (+8.28%) Land $139,953 Building $176,596
2022	$3,470.00 Homeowner's exemption	$224,544	$292,338 Land $150,935 Building $141,403

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

Flood

FEMA maps place 12809 126th Ter in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2016.

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 18 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	2 (2016–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2020 · Hurricane Eta

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 12809 126th Ter 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 Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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 393 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Frontier, Verizon, WOW Internet, Cable & Phone.

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