12940 116th St, Largo, FL 33778 Property Records

Pinellas County property record for 12940 116th St, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,779 sqft · built 1981
Lot Size	0.179 acres (7,806 sqft)
Owner	Company Name on Record
Last Sale	$380,000 (Apr 2026)
Tax Bill	$3,916 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Apr 2026 Sale & Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-8238-0`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-8238-0`
Alternative APNs	`09-30-15-38002-004-0140` `301509380020040140` `153009380020040140` `R101497`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,779 sqft Living Area
Gross Area	2,513 sqft
1st Floor Area	1,779 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1993
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,806 sqft (0.179 acres)
Lot Dimensions	104 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	272 sqft
Deck Area	100 sqft
Patio Area	100 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R101497
Street Address	12940 116TH ST
City	LARGO
State	FL
Zip	33778-1802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UZ
Legal Description	HEATHER HILLS BLK D, LOT 14
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	HEATHER HILLS
Legal Tract	38002
Legal Block	D
Legal Lot Number	14
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2014
Census Tract	25307

Owner

Source: Pinellas County records, as of September 18, 2026

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

Owner of Record	Company Name on Record
Mailing Address	106 CYPRESS PT E, PENSACOLA, FL 32514-7934
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Apr 7, 2026	Warranty Deed, Transfer · Construction Mortgage PARAMOUNT TITLE
Apr 7, 2026	Warranty Deed, Construction Loan · Construction Mortgage PARAMOUNT TITLE
Mar 1, 2019	Warranty Deed, Transfer · FHA Mortgage SECURITY NATIONAL MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2026 · Amount on Record
Deed Sale	Apr 7, 2026 · Amount on Record
Prior Sale	Mar 1, 2019 · Amount on Record
Deed Document Number	202693072
Deed Book / Page	23515 / 786
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Recording Date	Sep 3, 2026
Property Address	12940 116TH ST, LARGO, FL 33778-1802
Document Number	0000237744
Book / Page	23683 / 1084
Instrument Date	Aug 20, 2026
Instrument	2026237744
Transaction Type	Mortgage
Record Updated	Sep 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	12940 116TH ST, LARGO, FL 33778-1802

Mortgage

Document Number	0000237744,
Date	Sep 3, 2026
Book Page	23683/1084
Instrument	2026237744

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

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

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Apr 7, 2026
Property Address	12940 116TH ST, LARGO, FL 33778-1802
Document Number	0000093072
Book / Page	23515 / 786
Instrument Date	Mar 27, 2026
Instrument	202693072
Transaction Type	Transfer
Record Updated	Apr 17, 2026
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$268,660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	106 CYPRESS PT E, PENSACOLA, FL 32514-7934

Mortgage

Document Number	0000093073,
Date	Apr 7, 2026
Instrument	202693073

Lender

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 1, 2027

Interest

Rate	6.01%
Max Rate	-1%

April 2026: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Apr 7, 2026
Property Address	12940 116TH ST, LARGO, FL 33778-1802
Document Number	0235150786
Book / Page	23515 / 786
Instrument Date	Mar 27, 2026
Instrument	202693072
Transaction Type	Construction Loan
Record Updated	Aug 27, 2026
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$268,660.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	106 CYPRESS PT E, PENSACOLA, FL 32514-7934

Mortgage

Document Number	0000093073,
Date	Apr 7, 2026
Instrument	202693073

Lender

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 1, 2027

Interest

Max Rate	-1%

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Mar 1, 2019
Property Address	12940 116TH ST, LARGO, FL 33778-1802
Document Number	0204481207
Book / Page	20448 / 1207
Map Reference	MB 79 PG 21&22
Instrument Date	Mar 1, 2019
Instrument	2019067482
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	COASTLINE TITLE OF PINELLAS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2340 EDGEWATER LN, 2340, LARGO, FL 33774-1023

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12940 116TH ST, LARGO, FL 33778-1802
Investor	Possibly a Property Investor

Mortgage

Document Number	2019067483
Date	Mar 1, 2019
Instrument	2019067483

Lender

Name	SECURITY NATIONAL MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

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	$3,916.00 (+5.75%)	$248,441 (+5.99%)	$341,984 (+6.64%) Land $141,261 Building $200,723
2024	$3,703.00 (+1.87%)
2023	$3,635.00 (+3.06%) Homeowner's exemption	$234,407 (+3%)	$320,696 (+15.72%) Land $152,824 Building $167,872
2022	$3,527.00 Homeowner's exemption	$227,580	$277,131 Land $149,927 Building $127,204

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	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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