12878 98th St, Largo, FL 33773 Property Records

Pinellas County property record for 12878 98th St, Largo, FL 33773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,552 sqft · built 1980
Lot Size	0.168 acres (7,301 sqft)
Owner	2 Company Names on Record
Last Sale	$240,000 (Sep 2016)
Tax Bill	$2,664 (2025)
Deeds & Mortgages	Sep 2026 Sale May 2026 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`C62-000-750-1184-1`

Property Details

APN / Parcel Number

Primary APN	`C62-000-750-1184-1`
Alternative APNs	`11-30-15-09416-000-0870` `301511094160000870` `153011094160000870` `R122464`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,552 sqft Living Area
Gross Area	2,110 sqft
1st Floor Area	1,552 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1993
Architectural Style	Custom Design
Exterior Material	Brick/Concrete Block Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,301 sqft (0.168 acres)
Lot Dimensions	100 ft deep x 73 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	482 sqft
Patio Area	482 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R122464
Street Address	12878 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 87
Legal Range	15E
Legal Township	30S
Legal Section	11
Legal Subdivision	BLUE WATER COVE
Legal Tract	9416
Legal Lot Number	87
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1026
Census Tract	25021

Owner

Source: Pinellas County records, as of October 13, 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	12878 98TH ST, LARGO, FL 33773-1211
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
May 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 5, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Oct 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2016 · Amount on Record
Deed Sale	Sep 21, 2016 · Amount on Record
Prior Sale	Jan 4, 2011 · Amount on Record
Deed Document Number	2016289161
Deed Book / Page	19347 / 778
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 14, 2026
Property Address	12878 98TH ST, LARGO, FL 33773-1211
Document Number	0000245235
Book / Page	23692 / 478
Instrument Date	Aug 29, 2026
Instrument	2026245235
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	12878 98TH ST, LARGO, FL 33773-1211

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Recording Date	May 1, 2026
Property Address	12878 98TH ST, LARGO, FL 33773-1211
Document Number	0000117372
Book / Page	23543 / 335
Instrument Date	Apr 22, 2026
Instrument	2026117372
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET MORTGAGE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12878 98TH ST, LARGO, FL 33773-1211

Mortgage

Document Number	0000117372,
Date	May 1, 2026
Book Page	23543/335
Instrument	2026117372

Lender

Name	ROCKET MORTGAGE LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12878 98TH ST, LARGO, FL 33773-1211
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12878 98TH ST, LARGO, FL 33773-1211

Mortgage

Document Number	0225532133
Date	Sep 5, 2023
Book Page	22553/2133
Instrument	2023227825

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2043

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12878 98TH ST, LARGO, FL 33773-1211
Transaction Type	Mortgage
Record Updated	Oct 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0217510474
Date	Oct 7, 2021
Book Page	21751/474
Instrument	2021328385

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,664.00 (+5.01%)	$181,993 (+5.99%)	$355,650 (+9.41%) Land $131,987 Building $223,663
2023	$2,537.00 (+1.76%) Homeowner's exemption	$171,713 (+3%)	$325,067 (+13.34%) Land $144,833 Building $180,234
2022	$2,493.00 Homeowner's exemption	$166,712	$286,807 Land $141,478 Building $145,329

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 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 Record 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	Hurricane Milton, Oct 2024 · 14 claims Hurricane Helene, Sep 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

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 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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