12946 115th St, Largo, FL 33778 Property Records

Pinellas County property record for 12946 115th St, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,016 sqft · built 1980
Lot Size	0.172 acres (7,501 sqft)
Owner	Company Name on File
Last Sale	$650,000 (Sep 2023)
Tax Bill	$9,279 (2025)
Deeds & Mortgages	Sep 2023 Sale & Construction Loan Apr 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-8204-2`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-8204-2`
Alternative APNs	`09-30-15-38002-003-0050` `301509380020030050` `R101463`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,016 sqft Living Area
Gross Area	2,632 sqft
1st Floor Area	2,016 sqft
Flooring	Carpet
Interior Walls	Composition
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1993
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Shed	1 Shed
Shed Area	100 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R101463
Street Address	12946 115TH ST
City	LARGO
State	FL
Zip	33778-1803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEATHER HILLS BLK C, LOT 5
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	HEATHER HILLS
Legal Block	C
Legal Lot Number	5
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2017
Census Tract	25307

Owner

12946 115th St is owned by a company that bought it in September 2023.

Source: Pinellas County records, as of October 1, 2026

Owner of Record	Company Name on File
Mailing Address	9450 SW GEMINI DR, BEAVERTON, OR 97008-7105
Owner Type	Company
Vesting	Limited Liability Partnership

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
Sep 21, 2023	Warranty Deed, Construction Loan · Construction Mortgage VERUS BANK
Apr 19, 2023	Warranty Deed, Transfer FIRST TITLE SOURCE LLC
Nov 10, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2023 · Amount on File
Deed Sale	Sep 21, 2023 · Amount on File
Prior Sale	Apr 19, 2023 · Amount on File
Deed Document Number	2023242197
Deed Book / Page	22570 / 962
Prior Transfer Date	Nov 7, 2022
Prior Transfer Doc	0222592554
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 21, 2023
Property Address	12946 115TH ST, LARGO, FL 33778-1803
Document Number	0225700962
Book / Page	22570 / 962
Map Reference	MB 79 PG 21
Instrument Date	Aug 24, 2023
Instrument	2023242197
Transaction Type	Construction Loan
Record Updated	Oct 2, 2023
Title Company	ACR TITLE GROUP LLLP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	230 PATLIN CIR E # EE, EE, LARGO, FL 33770-3062

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9450 SW GEMINI DR PMB 77, BEAVERTON, OR 97008-7105
Investor	Possibly a Property Investor

Mortgage

Document Number	0022570969
Date	Sep 21, 2023
Instrument	22570/969

Lender

Name	VERUS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Apr 19, 2023
Property Address	12946 115TH ST, LARGO, FL 33778-1803
Document Number	0224121935
Book / Page	22412 / 1935
Map Reference	MB 79 PG 21&22
Instrument Date	Apr 13, 2023
Instrument	2023101249
Transaction Type	Transfer
Record Updated	May 5, 2023
Title Company	FIRST TITLE SOURCE LLC

Transaction

Amount	Amount on Record
Tax	$3,017.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12946 115TH ST, SEMINOLE, FL 33778-1803

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 PATLIN CIR E, BELLEAIR BLF, FL 33770-3062

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PINELLAS FL
Recording Date	Nov 10, 2022
Property Address	12946 115TH ST, LARGO, FL 33778-1803
Document Number	0222592554
Book / Page	22259 / 2554
Map Reference	MB 79 PG 21&22
Instrument Date	Nov 7, 2022
Instrument	2022327412
Transaction Type	Transfer
Record Updated	Dec 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12946 115TH ST, 12946, LARGO, FL 33778-1803

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12946 115TH ST, LARGO, FL 33778-1803

Tax Assessment & Valuation

The 2025 property tax bill for 12946 115th St was $9,279, up 8.6% from the year before.

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	$9,279.00 (+8.62%)	$488,748 Land $144,975 Building $343,773	$488,748 Land $144,975 Building $343,773
2024	$8,543.00 (+274.2%)
2023	$2,283.00 (+3.44%) Homeowner's exemption	$162,913 (+3%)	$320,050 (-1.76%) Land $151,072 Building $168,978
2022	$2,207.00 Homeowner's exemption	$158,168	$325,786 Land $158,708 Building $167,078

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 12946 115th 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

The area around 12946 115th St has no burnable land within ember reach, so its wildfire risk is not rated.

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 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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