12859 Ridge Rd, Largo, FL 33778 Property Records

Pinellas County property record for 12859 Ridge Rd, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,648 sqft · built 1972
Lot Size	0.181 acres (7,876 sqft)
Owner	2 Company Names on Record
Last Sale	$410,000 (Oct 2021)
Tax Bill	$8,027 (2025)
Deeds & Mortgages	Aug 2022 Sale Oct 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-8511-0`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-8511-0`
Alternative APNs	`09-30-15-64737-000-0380` `301509647370000380` `153009647370000380` `R101770`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,648 sqft Living Area
Gross Area	2,631 sqft
1st Floor Area	1,648 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1991
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,876 sqft (0.181 acres)
Lot Dimensions	105 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	503 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R101770
Street Address	12859 RIDGE RD
City	LARGO
State	FL
Zip	33778-1854
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORANGEWOOD ESTATES SUB LOT 38
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	ORANGEWOOD ESTATES SUB
Legal Tract	64737
Legal Lot Number	38
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2018
Census Tract	25307

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	2 Company Names on Record
Mailing Address	12276 SAN JOSE BLVD, 520, JACKSONVILLE, FL 32223-8618
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2022	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Oct 29, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage FLORIDA CTRL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2021 · Amount on Record
Deed Sale	Oct 29, 2021 · Amount on Record
Prior Sale	May 27, 2016 · Amount on Record
Deed Document Number	2021355379
Deed Book / Page	21785 / 590
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Aug 2, 2022
Property Address	12859 RIDGE RD, LARGO, FL 33778-1854
Document Number	0221531122
Book / Page	22153 / 1122
Map Reference	MB 67 PG 76
Instrument Date	Jul 22, 2022
Instrument	2022235004
Transaction Type	Transfer
Record Updated	Aug 19, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	310 SPRING DR, 310, SAINT CHARLES, MO 63303-3003

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12276 SAN JOSE BLVD STE 520, 520, JACKSONVILLE, FL 32223-8618

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 29, 2021
Property Address	12859 RIDGE RD, LARGO, FL 33778-1854
Document Number	0217850590
Book / Page	21785 / 590
Map Reference	MB 67 PG 76
Instrument Date	Oct 29, 2021
Instrument	2021355379
Transaction Type	Transfer
Record Updated	Nov 11, 2021
Title Company	KEYSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	661 W HILE RD, 661, NORTON SHORES, MI 49441-5466

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	310 SPRING DR, SAINT CHARLES, MO 63303-3003
Investor	Possibly a Property Investor

Mortgage

Document Number	0217850594
Date	Oct 29, 2021
Book Page	21785/594
Instrument	2021355381

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12859 RIDGE RD, LARGO, FL 33778-1854
Transaction Type	Mortgage
Record Updated	Jul 23, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0216201010
Date	Jul 12, 2021
Book Page	21620/1010
Instrument	2021226691

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12859 RIDGE RD, LARGO, FL 33778-1854
Document Number	0198130743
Book / Page	019813 / 000743
Instrument Date	Oct 13, 2017
Transaction Type	Mortgage
Record Updated	Nov 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12859 RIDGE RD LARGO FL 337781854, LARGO, FL 33778-1854

Mortgage

Document Number	0198130743
Date	Oct 20, 2017
Book Page	019813/000743
Instrument	321039

Lender

Name	FLORIDA CTRL CU
Type	Credit Union
Address	TAMPA, FL 33609

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 19, 2027

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	$8,027.00 (+10.89%)	$422,775 (+10.44%) Land $144,751 Building $278,024	$422,775 (+10.44%) Land $144,751 Building $278,024
2023	$7,239.00 (+10.87%)	$382,826 (+11.56%)	$382,826 (+11.56%) Land $157,320 Building $225,506
2022	$6,529.00	$343,142	$343,142 Land $163,734 Building $179,408

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

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 22 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	5 (1998–2024)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Oct 2024 · Hurricane Milton

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 493 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: Verizon.

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