12944 98th St, Largo, FL 33773 Property Records

Pinellas County property record for 12944 98th St, Largo, FL 33773

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,404 sqft · built 1979
Lot Size	0.168 acres (7,296 sqft)
Owner	2 Company Names on Record
Last Sale	$465,000 (Jun 2025)
Tax Bill	$4,040 (2025)
Deeds & Mortgages	Jun 2020 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`C62-000-750-1187-4`

Property Details

APN / Parcel Number

Primary APN	`C62-000-750-1187-4`
Alternative APNs	`11-30-15-09416-000-0900` `301511094160000900` `153011094160000900` `R122467`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,404 sqft Living Area
Gross Area	2,184 sqft
1st Floor Area	1,404 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1998
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,296 sqft (0.168 acres)
Lot Dimensions	100 ft deep x 73 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened/Unfinished Porch
Porch Area	339 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R122467
Street Address	12944 98TH ST
City	LARGO
State	FL
Zip	33773-1213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	BLUE WATER COVE LOT 90
Legal Range	15E
Legal Township	30S
Legal Section	11
Legal Subdivision	BLUE WATER COVE
Legal Tract	9416
Legal Lot Number	90
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1026
Census Tract	25021

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	2 Company Names on Record
Mailing Address	12944 98TH ST, LARGO, FL 33773-1213
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage GREENTREE MORTGAGE COMPANY LP
May 28, 2019	Warranty Deed, Transfer · Conventional Mortgage GREENTREE MORTGAGE COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2025 · Amount on Record
Deed Sale	Jun 4, 2025 · Amount on Record
Prior Sale	May 28, 2019 · Amount on Record
Deed Document Number	2025160113
Deed Book / Page	23184 / 1340
Prior Transfer Date	May 26, 2020
Prior Transfer Doc	0210231440
Record Updated	Sep 20, 2026

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PINELLAS FL
Recording Date	Jun 3, 2020
Property Address	12944 98TH ST, LARGO, FL 33773-1213
Document Number	0210231440
Book / Page	21023 / 1440
Map Reference	MB 80 PG 45-48
Instrument Date	May 26, 2020
Instrument	2020167617
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	SURETY LENDER SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12944 98TH ST, LARGO, FL 33773-1213

Mortgage

Document Number	0210231442
Date	Jun 3, 2020
Instrument	21023/1442

Lender

Name	GREENTREE MORTGAGE COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	May 28, 2019
Property Address	12944 98TH ST, LARGO, FL 33773-1213
Document Number	0205532641
Book / Page	20553 / 2641
Map Reference	MB 80 PG 45-48
Instrument Date	May 23, 2019
Instrument	2019166352
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	COAST TO COAST T&E

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1062 CALOOSA DR, 1062, SARASOTA, FL 34234-8322

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12944 98TH ST, LARGO, FL 33773-1213

Mortgage

Document Number	2019166353
Date	May 28, 2019
Instrument	2019166353

Lender

Name	GREENTREE MORTGAGE COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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	$4,040.00 (+4.69%)	$259,854 (+5.99%)	$375,590 (+10.4%) Land $136,809 Building $238,781
2024	$3,859.00 (-0.41%)
2023	$3,875.00 (+1.31%) Homeowner's exemption	$245,176 (+3%)	$340,200 (+15.56%) Land $152,206 Building $187,994
2022	$3,825.00 Homeowner's exemption	$238,035	$294,391 Land $146,528 Building $147,863

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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