12809 128th Ave, Largo, FL 33774 Property Records

Pinellas County property record for 12809 128th Ave, Largo, FL 33774

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,260 sqft · built 1982
Lot Size	0.139 acres (6,068 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Jul 2026)
Tax Bill	$2,783 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-7336-3`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-7336-3`
Alternative APNs	`08-30-15-57987-000-1430` `301508579870001430` `153008579870001430` `R90824`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,260 sqft Living Area
Gross Area	1,704 sqft
1st Floor Area	1,260 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1988
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,068 sqft (0.139 acres)
Lot Dimensions	101 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	444 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	132 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R90824
Street Address	12809 128TH AVE
City	LARGO
State	FL
Zip	33774-2606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILL POND LOT 143
Legal Range	15E
Legal Township	30S
Legal Section	8
Legal Subdivision	MILL POND
Legal Tract	57987
Legal Lot Number	143
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2013
Census Tract	25207

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 Record	Individual Name on Record
Mailing Address	12809 128TH AVE, LARGO, FL 33774-2606
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL
Aug 30, 2018	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2026 · Amount on Record
Deed Sale	Jul 1, 2026 · Amount on Record
Prior Sale	Aug 30, 2018 · Amount on Record
Deed Document Number	2026176125
Deed Book / Page	23611 / 2381
Prior Transfer Date	May 2, 2025
Prior Transfer Doc	0231540266
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jul 1, 2026
Property Address	12809 128TH AVE, LARGO, FL 33774-2606
Document Number	0000176125
Book / Page	23611 / 2381
Instrument Date	Jun 26, 2026
Instrument	2026176125
Transaction Type	Transfer
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335,825.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12809 128TH AVE, LARGO, FL 33774-2606

Mortgage

Document Number	0000176126,
Date	Jul 1, 2026
Instrument	2026176126

Lender

Name	AMERICAN FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.51%
Max Rate	-1%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Aug 30, 2018
Property Address	12809 128TH AVE, LARGO, FL 33774-2606
Document Number	0201880506
Book / Page	20188 / 0506
Map Reference	MB 75 PG 16&17
Instrument Date	Aug 29, 2018
Instrument	2018279276
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	COASTLINE TITLE OF PINELLAS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 7569, SEMINOLE, FL 33775-7569

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12809 128TH AVE, LARGO, FL 33774-2606

Mortgage

Document Number	2018279277
Date	Aug 30, 2018
Instrument	2018279277

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

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	$2,783.00 (+2.62%)	$188,793 (+6.23%)	$299,135 (+29.8%) Land $115,020 Building $184,115
2024	$2,712.00 (+5.81%)
2023	$2,563.00 (+3.35%) Homeowner's exemption	$177,729 (+3%)	$230,451 (+4.68%) Land $124,151 Building $106,300
2022	$2,480.00 Homeowner's exemption	$172,552	$220,146 Land $135,030 Building $85,116

Assessed value is set for property tax purposes, not a market price estimate; it is 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 481 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: T-Mobile, Verizon.

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