Pinellas County property record for 12856 98th St, Largo, FL 33773
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,404 sqft · built 1980 |
| Lot Size | 0.168 acres (7,296 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Mar 2015) |
| Tax Bill | $3,123 (2025) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | C62-000-750-1183-3 |
| Primary APN | C62-000-750-1183-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,404 sqft Living Area |
| Gross Area | 2,210 sqft |
| 1st Floor Area | 1,404 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 7,296 sqft (0.168 acres) |
| Lot Dimensions | 100 ft deep x 73 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Patio |
| Porch Area | 365 sqft |
| Deck Area | 272 sqft |
| Patio Area | 272 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R122463 |
|---|---|
| Street Address | 12856 98TH ST |
| City | LARGO |
| State | FL |
| Zip | 33773-1211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | BLUE WATER COVE LOT 86 |
| Legal Range | 15E |
| Legal Township | 30S |
| Legal Section | 11 |
| Legal Subdivision | BLUE WATER COVE |
| Legal Tract | 9416 |
| Legal Lot Number | 86 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 25021 |
12856 98th St is owned and occupied by two individuals who bought it in March 2015.
Source: Pinellas County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12856 98TH ST, LARGO, FL 33773-1211 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2015 · Amount on File |
| Deed Sale | Mar 4, 2015 · Amount on File |
| Prior Sale | Mar 20, 2003 · Amount on File |
| Deed Document Number | 201561336 |
| Deed Book / Page | 18697 / 2363 |
| Transfer Doc | 1239000087 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 12856 98TH ST, LARGO, FL 33773-1211 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 12856 98TH ST, LARGO, FL 33773-1211 |
| Document Number | 0215572019 |
|---|---|
| Date | May 28, 2021 |
| Book Page | 21557/2019 |
| Instrument | 2021178559 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | Jun 1, 2048 |
The 2025 property tax bill for 12856 98th St was $3,123 with a homeowner's exemption.
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,123.00 Homeowner's exemption | $207,997 | $366,245 Land $136,803 Building $229,442 |
| 2023 | $2,984.00 (+1.57%) Homeowner's exemption | $196,248 (+3%) | $325,878 (+22.32%) Land $150,009 Building $175,869 |
| 2022 | $2,938.00 Homeowner's exemption | $190,532 | $266,406 Land $144,027 Building $122,379 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12856 98th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 158 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 158 in force |
| Nearby Flood Claims | 18 (2012–2024) |
| Claims Outside the SFHA | 1 of 18 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 risk around 12856 98th St 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 99.8% of the US · lower than 99.7% 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.
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 |
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.
Source: FCC Broadband Data Collection, based on 638 locations within half a mile, as of December 31, 2025
| Provider | Max 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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