12848 Lake Dr, Largo, FL 33774 Property Records

Pinellas County property record for 12848 Lake Dr, Largo, FL 33774

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,428 sqft · built 1982
Lot Size	0.295 acres (12,855 sqft)
Owner	2 Individual Names on File
Last Sale	$677,000 (May 2022)
Tax Bill	$9,036 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage May 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-6520-3`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-6520-3`
Alternative APNs	`08-30-15-00000-330-0200` `301508000003300200` `153008000003300200` `R90007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,428 sqft Living Area
Gross Area	2,080 sqft
1st Floor Area	1,428 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1994
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	12,855 sqft (0.295 acres)
Lot Dimensions	147 ft deep x 86 ft wide
View / Lot	Golf Course
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	372 sqft
Deck Area	650 sqft
Patio Area	650 sqft
Shed	1 Shed
Shed Area	100 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R90007
Street Address	12848 LAKE DR
City	LARGO
State	FL
Zip	33774-3100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART OF SW 1/4 OF SW 1/4 OF SEC 8-30-15 DESC FROM SW SEC COR TH S89D0251E 1332.52FT TH N00D1857E 892.84FT FOR POB TH CUR LT RAD 370.13FT ARC 86.55FT CB S83D3702W 86.35FT TH N00D1918E 156.53FT TH N89D5703E 85.75FT TH S00D1857W 147FT TO POB
Legal Range	15E
Legal Township	30S
Legal Section	8
Legal Subdivision	PART OF SW 1/4 OF SW 1/4
Legal Lot Number	1332
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	4
Census Block	4001
Census Tract	25209

Owner

12848 Lake Dr is owned by two individuals who bought it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	41529 DEER POINT CT, ALDIE, VA 20105-5567
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
May 25, 2022	Warranty Deed, Transfer · Conventional Mortgage NFM INC
May 14, 2018	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2022 · Amount on File
Deed Sale	May 25, 2022 · Amount on File
Prior Sale	Aug 16, 2011 · Amount on File
Deed Document Number	2022165342
Deed Book / Page	22075 / 616
Prior Transfer Date	Jun 30, 2003
Prior Transfer Doc	0000267905
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	May 25, 2022
Property Address	12848 LAKE DR, LARGO, FL 33774-3100
Document Number	0220750616
Book / Page	22075 / 616
Instrument Date	May 24, 2022
Instrument	2022165342
Transaction Type	Transfer
Record Updated	Dec 29, 2025
Title Company	COASTLINE TITLE/PINELLAS LLC, COASTLINE TITLE OF PINELLAS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,739.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10887 ULMERTON RD, LARGO, FL 33778-1704

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41529 DEER POINT CT, ALDIE, VA 20105-5567

Mortgage

Document Number	0022075618
Date	May 25, 2022
Instrument	22075/618

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PINELLAS FL
Property Address	12848 LAKE DR, LARGO, FL 33774-3100
Document Number	0201252435
Instrument Date	May 14, 2018
Transaction Type	Mortgage
Record Updated	Aug 6, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12848 LAKE DR LARGO FL 337743100, LARGO, FL 33774-3100

Mortgage

Document Number	0201252435
Date	Jul 13, 2018
Book Page	020125/002435
Instrument	222116

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 12, 2048

Interest

Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 12848 Lake Dr was $9,036.

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	$9,036.00	$475,941 Land $178,259 Building $297,682	$475,941 Land $178,259 Building $297,682
2023	$8,354.00 (+258.39%)	$441,770 (+168.2%)	$441,770 (+31.75%) Land $206,236 Building $235,534
2022	$2,331.00 Homeowner's exemption	$164,717	$335,298 Land $182,355 Building $152,943

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 12848 Lake Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2024.

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 22 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	3 (2024)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 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 12848 Lake Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% 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 385 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	1,000 / 1,000

May also be available: AT&T, Verizon.

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