12864 116th St, Largo, FL 33778 Property Records

Pinellas County property record for 12864 116th St, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,530 sqft · built 1980
Lot Size	0.186 acres (8,085 sqft)
Owner	2 Individual Names on File
Last Sale	$419,500 (Aug 2021)
Tax Bill	$6,140 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Apr 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-8240-6`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-8240-6`
Alternative APNs	`09-30-15-38002-004-0160` `301509380020040160` `153009380020040160` `R101499`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,530 sqft Living Area
Gross Area	2,222 sqft
1st Floor Area	1,530 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2000
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,085 sqft (0.186 acres)
Lot Dimensions	105 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	274 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R101499
Street Address	12864 116TH ST
City	LARGO
State	FL
Zip	33778-1802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEATHER HILLS BLK D, LOT 16
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	HEATHER HILLS
Legal Tract	38002
Legal Block	D
Legal Lot Number	16
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2014
Census Tract	25307

Owner

12864 116th St is owned and occupied by two individuals who bought it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	12864 116TH ST, LARGO, FL 33778-1802
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
Aug 31, 2021	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN MUTUAL INC
Apr 30, 2020	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE
Dec 31, 2019	Grant Deed, Transfer COAST TO COAST TITLE AND ESCROW, COAST TO COAST TITLE & ESCROW
Dec 31, 2019	Warranty Deed, Transfer COAST TO COAST TITLE AND ESCROW, COAST TO COAST TITLE & ESCROW

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2021 · Amount on File
Deed Sale	Aug 31, 2021 · Amount on File
Prior Sale	Apr 30, 2020 · Amount on File
Deed Document Number	2021286493
Deed Book / Page	21696 / 457
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Aug 31, 2021
Property Address	12864 116TH ST, LARGO, FL 33778-1802
Document Number	0216960457
Book / Page	21696 / 457
Map Reference	MB 79 PG 21
Instrument Date	Aug 26, 2021
Instrument	2021286493
Transaction Type	Transfer
Record Updated	Sep 13, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,936.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	250 CARILLON PKWY UNIT 209, 250, SAINT PETERSBURG, FL 33716-1375

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12864 116TH ST, LARGO, FL 33778-1802

Mortgage

Document Number	0216960345
Date	Aug 31, 2021
Book Page	21696/345
Instrument	2021286452

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company
Address	PORT HURON, MI 48060

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Apr 30, 2020
Property Address	12864 116TH ST, LARGO, FL 33778-1802
Document Number	0209850041
Book / Page	020985 / 000041
Instrument Date	Apr 30, 2020
Instrument	139229
Transaction Type	Transfer
Record Updated	May 27, 2020
Title Company	SUNDIAL TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,344.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	19301 BRUSHWOOD LN TINLEY PARK IL 604877037, TINLEY PARK, IL 60487-7037

Mortgage

Document Number	209850043
Date	Apr 30, 2020
Book Page	020985/000043
Instrument	139230

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 29, 2050

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	PINELLAS FL
Recording Date	Dec 31, 2019
Property Address	12864 116TH ST, LARGO, FL 33778-1802
Document Number	0208282458
Book / Page	020828 / 002458
Instrument Date	Dec 27, 2019
Instrument	416498
Transaction Type	Transfer
Record Updated	Jan 20, 2020
Title Company	COAST TO COAST TITLE AND ESCROW, COAST TO COAST TITLE & ESCROW

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4832 9TH AVE N ST PETERSBURG FL 337136125, ST PETERSBURG, FL 33713-6125

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Dec 31, 2019
Property Address	12864 116TH ST, LARGO, FL 33778-1802
Document Number	0208282460
Book / Page	020828 / 002460
Instrument Date	Dec 27, 2019
Instrument	416499
Transaction Type	Transfer
Record Updated	Jan 20, 2020
Title Company	COAST TO COAST TITLE AND ESCROW, COAST TO COAST TITLE & ESCROW

Transaction

Amount	Amount on Record
Tax	$1,162.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4832 9TH AVE N ST PETERSBURG FL 337136125, ST PETERSBURG, FL 33713-6125

Tax Assessment & Valuation

The 2025 property tax bill for 12864 116th St was $6,140 with a homeowner's exemption, up 5.5% from the year before.

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	$6,140.00 (+5.52%) Homeowner's exemption	$365,622	$427,768 Land $143,520 Building $284,248
2024	$5,819.00 (+1.62%)
2023	$5,726.00 (+2.8%) Homeowner's exemption	$344,969 (+3%)	$395,211 (+14.41%) Land $158,734 Building $236,477
2022	$5,570.00 Homeowner's exemption	$334,921	$345,427 Land $162,758 Building $182,669

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

Flood

FEMA maps place 12864 116th St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1998.

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	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

Wildfire risk around 12864 116th 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.

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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