12929 116th St, Largo, FL 33778 Property Records

Pinellas County property record for 12929 116th St, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,460 sqft · built 1980
Lot Size	0.172 acres (7,501 sqft)
Owner	Individual Name on File
Last Sale	$490,000 (Mar 2023)
Tax Bill	$6,358 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-8223-2`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-8223-2`
Alternative APNs	`09-30-15-38002-003-0240` `301509380020030240` `153009380020030240` `R101482`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,460 sqft Living Area
Gross Area	2,040 sqft
1st Floor Area	1,460 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1993
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	152 sqft
Deck Area	250 sqft
Patio Area	125 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R101482
Street Address	12929 116TH ST
City	LARGO
State	FL
Zip	33778-1801
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEATHER HILLS BLK C, LOT 24
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	HEATHER HILLS
Legal Tract	38002
Legal Block	C
Legal Lot Number	24
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2017
Census Tract	25307

Owner

12929 116th St is owned and occupied by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	12929 116TH ST, LARGO, FL 33778-1801
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
Mar 7, 2023	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Aug 17, 2018	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/TAMPA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2023 · Amount on File
Deed Sale	Mar 7, 2023 · Amount on File
Prior Sale	Nov 5, 2015 · Amount on File
Deed Document Number	202359767
Deed Book / Page	22367 / 1059
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Mar 7, 2023
Property Address	12929 116TH ST, LARGO, FL 33778-1801
Document Number	0223671059
Book / Page	22367 / 1059
Map Reference	MB 79 PG 21&22
Instrument Date	Mar 2, 2023
Instrument	2023059767
Transaction Type	Transfer
Record Updated	Mar 21, 2023
Title Company	PLATINUM NATIONAL TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	214 LITTLE POND COUNTY RD, CUMBERLAND, RI 02864-2828

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12929 116TH ST, LARGO, FL 33778-1801

Mortgage

Document Number	0223671061
Date	Mar 7, 2023
Instrument	22367/1061

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.2%
Index	Other
Margin	3
Max Rate	10.2%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12929 116TH ST, LARGO, FL 33778-1801
Document Number	0202001283
Instrument Date	Aug 17, 2018
Transaction Type	Mortgage
Record Updated	Sep 21, 2018
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12929 116TH ST LARGO FL 337781801, LARGO, FL 33778-1801

Mortgage

Document Number	0202001283
Date	Sep 10, 2018
Book Page	020200/001283
Instrument	290636

Lender

Name	FIFTH THIRD BK/TAMPA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 12929 116th St was $6,358 with a homeowner's exemption.

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	$6,358.00 Homeowner's exemption	$377,106	$377,417 Land $141,061 Building $236,356
2023	$3,235.00 (+3.26%) Homeowner's exemption Senior Citizen's exemption	$220,521 (+3%)	$340,066 (+14.13%) Land $151,867 Building $188,199
2022	$3,133.00 Homeowner's exemption Senior Citizen's exemption	$214,098	$297,975 Land $156,195 Building $141,780

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 12929 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 12929 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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