12945 116th St, Largo, FL 33778 Property Records

Pinellas County property record for 12945 116th St, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,640 sqft · built 1981
Lot Size	0.172 acres (7,501 sqft)
Owner	Individual Name on Record
Last Sale	$575,000 (Mar 2024)
Tax Bill	$8,045 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Jan 2024 Sale & Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-8221-6`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-8221-6`
Alternative APNs	`09-30-15-38002-003-0220` `301509380020030220` `153009380020030220` `R101480`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,640 sqft Living Area
Gross Area	2,306 sqft
1st Floor Area	1,640 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1993
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	226 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R101480
Street Address	12945 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 22
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	HEATHER HILLS
Legal Tract	38002
Legal Block	C
Legal Lot Number	22
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2017
Census Tract	25307

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	12945 116TH ST, LARGO, FL 33778-1801
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2024	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Jan 2, 2024	Warranty Deed, Transfer · Stand-Alone Second Mortgage KIAVI FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2024 · Amount on Record
Deed Sale	Mar 6, 2024 · Amount on Record
Prior Sale	Jan 2, 2024 · Amount on Record
Deed Document Number	202456493
Deed Book / Page	22725 / 646
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Mar 6, 2024
Property Address	12945 116TH ST, LARGO, FL 33778-1801
Document Number	0227250646
Book / Page	22725 / 646
Map Reference	MB 79 PG 21&22
Instrument Date	Mar 1, 2024
Instrument	2024056493
Transaction Type	Transfer
Record Updated	Mar 22, 2024
Title Company	SECURITY FIRST TITLE-PAOLA, SECURITY FIRST TTL OF FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	225 1ST AVE N # N2101, N2101, SAINT PETERSBURG, FL 33701-3521

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12945 116TH ST, LARGO, FL 33778-1801

Mortgage

Document Number	0022725648
Date	Mar 6, 2024
Instrument	22725/648

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jan 2, 2024
Property Address	12945 116TH ST, LARGO, FL 33778-1801
Document Number	0226670245
Book / Page	22667 / 245
Map Reference	MB 79 PG 21&22
Instrument Date	Dec 28, 2023
Instrument	2024000664
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	COASTLINE TITLE/PINELLAS LLC, COASTLINE TITLE OF PINELLAS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,799.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10951 JOHNSON BLVD # 311, 311, SEMINOLE, FL 33772-4781

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	330 3RD ST S, ST PETERSBURG, FL 33701-4251

Mortgage

Document Number	0022667247
Date	Jan 2, 2024
Instrument	22667/247

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

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	$8,045.00 (+347.94%) Homeowner's exemption	$465,919 (+227.77%) Land $146,481 Building $319,438	$465,919 (+37.18%) Land $146,481 Building $319,438
2023	$1,796.00 (-0.99%) Homeowner's exemption Widower's exemption	$142,148 (+3%)	$339,649 (+10.78%) Land $152,384 Building $187,265
2022	$1,814.00 Homeowner's exemption Widower's exemption	$138,008	$306,584 Land $157,678 Building $148,906

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

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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