12892 112th St, Largo, FL 33778 Property Records

Pinellas County property record for 12892 112th St, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,830 sqft · built 1974
Lot Size	0.23 acres (10,019 sqft)
Owner	Trust Name on Record
Tax Bill	$2,193 (2025)
Deeds & Mortgages	Sep 2018 Reverse Mortgage May 2020 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-8714-0`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-8714-0`
Alternative APNs	`09-30-15-64739-008-0190` `301509647390080190` `153009647390080190` `R101973`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,830 sqft Living Area
Gross Area	2,370 sqft
1st Floor Area	1,830 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1990
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	60 sqft
Deck Area	400 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R101973
Street Address	12892 112TH ST
City	LARGO
State	FL
Zip	33778-1955
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORANGEWOOD ESTATES SUB SECTION 2 BLK H, LOT 19
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	ORANGEWOOD ESTATES SUB
Legal Tract	64739
Legal Block	H
Legal Lot Number	19
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2004
Census Tract	25311

Owner

Source: Pinellas County records, as of December 2, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Trust Name on Record
Mailing Address	12892 112TH ST, LARGO, FL 33778-1955
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2018	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
May 28, 2020	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
May 21, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Sep 17, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 3, 2012
Transfer Doc	0176780853
Record Updated	Jun 8, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12892 112TH ST, LARGO, FL 33778-1955
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202181407
Date	Sep 25, 2018
Book Page	20218/1407
Instrument	2018308239

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	892 Months
Due	Jan 23, 2093

Interest

Rate Type	Adjustable Rate
Rate	4.09%
Type Change Date	Oct 1, 2019
Change Frequency	Annually
Index	1-Year LIBOR

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12892 112TH ST, LARGO, FL 33778-1955
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210161733
Date	May 28, 2020
Book Page	21016/1733
Instrument	2020162981

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	872 Months
Due	Jan 23, 2093

Interest

Rate Type	Adjustable Rate
Rate	2.59%
Type Change Date	Jun 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12892 112TH ST, LARGO, FL 33778-1955
Document Number	0210161746
Instrument Date	May 21, 2020
Transaction Type	Mortgage
Record Updated	Jun 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12892 112TH ST LARGO FL 337781955, LARGO, FL 33778-1955

Mortgage

Document Number	0210161746
Date	May 28, 2020
Book Page	021016/001746
Instrument	162982

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	876 Months
Due	May 27, 2093

Interest

Rate Type	Adjustable Rate
Rate	2%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12892 112TH ST, LARGO, FL 33778-1955
Document Number	0202181421
Instrument Date	Sep 17, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12892 112TH ST LARGO FL 337781955, LARGO, FL 33778-1955

Mortgage

Document Number	0202181421
Date	Sep 25, 2018
Book Page	020218/001421
Instrument	308240

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	900 Months
Due	Sep 24, 2093

Interest

Rate	4.09%

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	$2,193.00 (+6.25%) Homeowner's exemption	$157,698 (+5.99%)	$393,905 (+19.18%) Land $142,119 Building $251,786
2024	$2,064.00 (+2.38%)
2023	$2,016.00 (+3.6%) Homeowner's exemption	$148,790 (+3%)	$330,516 (+10.01%) Land $151,430 Building $179,086
2022	$1,946.00 Homeowner's exemption	$144,456	$300,430 Land $157,716 Building $142,714

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 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force

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 633 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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