12860 115th St, Largo, FL 33778 Property Records

Pinellas County property record for 12860 115th St, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,390 sqft · built 1983
Lot Size	0.235 acres (10,215 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Feb 2005)
Tax Bill	$1,839 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Apr 2023 Second Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-8200-0`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-8200-0`
Alternative APNs	`09-30-15-38002-003-0010` `301509380020030010` `153009380020030010` `R101459`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,390 sqft Living Area
Gross Area	2,036 sqft
1st Floor Area	1,390 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1993
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,215 sqft (0.235 acres)
Lot Dimensions	123 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened/Unfinished Porch
Porch Area	140 sqft
Deck Area	480 sqft
Patio Area	480 sqft
Shed	1 Shed
Shed Area	49 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R101459
Street Address	12860 115TH ST
City	LARGO
State	FL
Zip	33778-1803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEATHER HILLS BLK C, LOT 1
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	HEATHER HILLS
Legal Tract	38002
Legal Block	C
Legal Lot Number	1
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2017
Census Tract	25307

Owner

Source: Pinellas County records, as of September 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12860 115TH ST, LARGO, FL 33778-1803
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage ACHIEVA CREDIT UNION
Apr 11, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ACHIEVA CU
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage R P FNDG INC
Jun 26, 2019	Quit Claim Deed, Transfer · Conventional Mortgage JG WENTWORTH HM LNDG
Jul 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage USAA
Feb 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2005 · Amount on Record
Deed Sale	Feb 21, 2005 · Amount on Record
Prior Sale	Feb 22, 1995
Deed Document Number	200564361
Deed Book / Page	14129 / 1471
Last Transfer Date	Jun 7, 2019
Transfer Doc	0205931592
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Recording Date	Aug 19, 2026
Property Address	12860 115TH ST, LARGO, FL 33778-1803
Document Number	0000222926
Book / Page	23667 / 794
Instrument Date	Aug 14, 2026
Instrument	2026222926
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12860 115TH ST, LARGO, FL 33778-1803

Mortgage

Document Number	0000222926,
Date	Aug 19, 2026
Book Page	23667/794
Instrument	2026222926

Lender

Name	ACHIEVA CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12860 115TH ST, LARGO, FL 33778-1803
Transaction Type	Mortgage
Record Updated	Apr 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12860 115TH ST, LARGO, FL 33778-1803

Mortgage

Document Number	0224030538
Date	Apr 11, 2023
Book Page	22403/538
Instrument	2023092751

Lender

Name	ACHIEVA CU
Type	Credit Union
Address	DUNEDIN, FL 34698

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2033

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12860 115TH ST, LARGO, FL 33778-1803
Transaction Type	Mortgage
Record Updated	Sep 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12860 115TH ST, LARGO, FL 33778-1803

Mortgage

Document Number	0216811200
Date	Aug 20, 2021
Book Page	21681/1200
Instrument	2021275446

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jun 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12860 115TH ST, LARGO, FL 33778-1803
Document Number	0210412158
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Jun 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12860 115TH ST LARGO FL 337781803, LARGO, FL 33778-1803

Mortgage

Document Number	0210412158
Date	Jun 17, 2020
Book Page	021041/002158
Instrument	181454

Lender

Name	R P FNDG INC
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 16, 2050

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINELLAS FL
Recording Date	Jun 26, 2019
Property Address	12860 115TH ST, LARGO, FL 33778-1803
Document Number	0205931592
Book / Page	020593 / 001592
Instrument Date	Jun 17, 2019
Instrument	204235
Transaction Type	Transfer
Record Updated	Jul 19, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12860 115TH ST LARGO FL 337781803, LARGO, FL 33778-1803

Mortgage

Document Number	205931594
Date	Jun 26, 2019
Book Page	020593/001594
Instrument	204236

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2049

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12860 115TH ST, LARGO, FL 33778-1803
Document Number	0201231762
Instrument Date	Jul 2, 2018
Transaction Type	Mortgage
Record Updated	Aug 8, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12860 115TH ST LARGO FL 337781803, LARGO, FL 33778-1803

Mortgage

Document Number	0201231762
Date	Jul 11, 2018
Book Page	020123/001762
Instrument	219948

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2048

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12860 115TH ST, LARGO, FL 33778-1803
Document Number	0195142495
Book / Page	019514 / 002495
Instrument Date	Feb 1, 2017
Transaction Type	Mortgage
Record Updated	May 8, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12860 115TH ST LARGO FL 337781803, LARGO, FL 33778-1803

Mortgage

Document Number	0195142495
Date	Feb 9, 2017
Book Page	019514/002495
Instrument	44186

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 8, 2032

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	$1,839.00 (+6.61%) Homeowner's exemption Disabled Person's exemption	$144,071 (+5.99%)	$380,478 (+8.96%) Land $162,649 Building $217,829
2024	$1,725.00 (+2.8%)
2023	$1,678.00 (-1.24%) Homeowner's exemption Disabled Person's exemption	$135,933 (+3%)	$349,189 (+10.35%) Land $174,549 Building $174,640
2022	$1,699.00 Homeowner's exemption Disabled Person's exemption	$131,974	$316,429 Land $179,511 Building $136,918

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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