12965 114th St, Largo, FL 33778 Property Records

Pinellas County property record for 12965 114th St, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,845 sqft · built 1973
Lot Size	0.181 acres (7,876 sqft)
Owner	2 Individual Names on Record
Last Sale	$339,000 (Feb 2020)
Tax Bill	$4,970 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage May 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-8499-8`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-8499-8`
Alternative APNs	`09-30-15-64737-000-0260` `301509647370000260` `153009647370000260` `R101758`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,845 sqft Living Area
Gross Area	2,612 sqft
1st Floor Area	1,845 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,876 sqft (0.181 acres)
Lot Dimensions	105 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	330 sqft
Deck Area	300 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R101758
Street Address	12965 114TH ST
City	LARGO
State	FL
Zip	33778-1922
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORANGEWOOD ESTATES SUB LOT 26
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	ORANGEWOOD ESTATES SUB
Legal Tract	64737
Legal Lot Number	26
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2019
Census Tract	25307

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12965 114TH ST, LARGO, FL 33778-1922
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
May 24, 2023	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Dec 6, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ADMIRALS BANK
Feb 19, 2020	Warranty Deed, Transfer · Conventional with PMI SUPREME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2020 · Amount on Record
Deed Sale	Feb 19, 2020 · Amount on Record
Prior Sale	Jan 1, 2016 · Amount on Record
Deed Document Number	202057372
Deed Book / Page	20889 / 2558
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12965 114TH ST, LARGO, FL 33778-1922
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12965 114TH ST, LARGO, FL 33778-1922

Mortgage

Document Number	0234930435
Date	Mar 19, 2026
Book Page	23493/435
Instrument	2026074841

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2036

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12965 114TH ST, LARGO, FL 33778-1922
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12965 114TH ST, LARGO, FL 33778-1922

Mortgage

Document Number	0224492653
Date	May 24, 2023
Book Page	22449/2653
Instrument	2023134524

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 11, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	12965 114TH ST, LARGO, FL 33778-1922
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0203592654
Date	Dec 6, 2018
Book Page	20359/2654
Instrument	2018390480

Lender

Name	ADMIRALS BANK
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	238 Months
Due	Oct 11, 2038

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Feb 19, 2020
Property Address	12965 114TH ST, LARGO, FL 33778-1922
Document Number	0208892558
Book / Page	020889 / 002558
Instrument Date	Feb 19, 2020
Instrument	57372
Transaction Type	Transfer
Record Updated	Mar 9, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,373.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12965 114TH ST LARGO FL 337781922, LARGO, FL 33778-1922

Mortgage

Document Number	208892560
Date	Feb 19, 2020
Book Page	020889/002560
Instrument	57373

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 18, 2050

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	$4,970.00 (+5.61%) Homeowner's exemption	$303,995 (+5.99%)	$412,727 (+12.92%) Land $138,902 Building $273,825
2024	$4,706.00 (+1.71%)
2023	$4,627.00 (+2.91%) Homeowner's exemption	$286,823 (+3%)	$365,518 (+11.28%) Land $149,632 Building $215,886
2022	$4,496.00 Homeowner's exemption	$278,469	$328,472 Land $155,683 Building $172,789

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	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 633 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

Nearby Properties on 114th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures