12843 109th St, Largo, FL 33778 Property Records

Pinellas County property record for 12843 109th St, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,246 sqft · built 1979
Lot Size	0.225 acres (9,805 sqft)
Owner	Individual Name on File
Last Sale	$184,900 (Jan 2009)
Tax Bill	$1,531 (2025)
Deeds & Mortgages	Apr 2024 Second Mortgage Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-8555-7`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-8555-7`
Alternative APNs	`09-30-15-64739-001-0100` `153009647390010100` `R101814`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,246 sqft Heated Area
1st Floor Area	1,246 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,805 sqft (0.225 acres)
Lot Dimensions	140 ft deep x 71 ft wide
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	295 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R101814
Old Parcel Number	153009647390010100
Street Address	12843 109TH ST
City	LARGO
State	FL
Zip	33778-2117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORANGEWOOD ESTATES SUB SECTION 2 BLK A, LOT 10
Legal Range	15
Legal Township	30
Legal Section	09
Legal Subdivision	ORANGEWOOD ESTATES SUB SECTION 2
Legal Block	A
Legal Lot Number	10
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2000
Census Tract	25311

Owner

12843 109th St is owned and occupied by an individual who bought it in January 2009.

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

Owner of Record	Individual Name on File
Mailing Address	12843 109TH ST, LARGO, FL 33778-2117
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 · Stand-Alone Second Mortgage DISCOVER BANK
Sep 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2009 · Amount on File
Deed Sale	Jan 6, 2009 · Amount on File
Prior Sale	Dec 23, 2002 · Amount on File
Deed Document Number	2009002256
Deed Book / Page	16464 / 205
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12843 109TH ST, LARGO, FL 33778-2117
Transaction Type	Mortgage
Record Updated	Apr 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12843 109TH ST, LARGO, FL 33778-2117

Mortgage

Document Number	0227572439
Date	Apr 5, 2024
Book Page	22757/2439
Instrument	2024086665

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12843 109TH ST, LARGO, FL 33778-2117
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0216982584
Date	Sep 1, 2021
Book Page	21698/2584
Instrument	2021288329

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	312 Months
Due	Sep 1, 2047

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12843 109TH ST, LARGO, FL 33778-2117
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0212552537
Date	Nov 16, 2020
Book Page	21255/2537
Instrument	2020343600

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12843 109TH ST, LARGO, FL 33778-2117
Document Number	0201292682
Instrument Date	Jul 11, 2018
Transaction Type	Mortgage
Record Updated	Aug 7, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12843 109TH ST LARGO FL 337782117, LARGO, FL 33778-2117

Mortgage

Document Number	0201292682
Date	Jul 17, 2018
Book Page	020129/002682
Instrument	225681

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12843 109th St was $1,531 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	$1,531.00 Homeowner's exemption	$122,862	$355,790 Land $154,695 Building $201,095
2023	$1,395.00 (+4.18%) Homeowner's exemption	$115,921 (+3%)	$318,968 (+10.16%) Land $165,161 Building $153,807
2022	$1,339.00 Homeowner's exemption	$112,545	$289,553 Land $168,927 Building $120,626

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

Flood

FEMA maps place 12843 109th St in Zone X, an area of minimal flood risk.

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 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force

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

The area around 12843 109th St has no burnable land within ember reach, so its wildfire risk is not rated.

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 633 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

Nearby Properties on 109th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures