13111 Ridge Rd, Largo, FL 33778 Property Records

Pinellas County property record for 13111 Ridge Rd, Largo, FL 33778

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,568 sqft · built 1974
Lot Size	0.17 acres (7,392 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (Dec 2024)
Tax Bill	$7,333 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-749-8779-3`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-8779-3`
Alternative APNs	`09-30-15-64739-012-0260` `301509647390120260` `153009647390120260` `R102038`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,568 sqft Living Area
Gross Area	2,596 sqft
1st Floor Area	1,568 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1988
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,392 sqft (0.17 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	391 sqft
Deck Area	Deck Area
Water Feature	Water Feature

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R102038
Street Address	13111 RIDGE RD
City	LARGO
State	FL
Zip	33778-1800
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORANGEWOOD ESTATES SUB SECTION 2 BLK L, LOT 26
Legal Range	15E
Legal Township	30S
Legal Section	9
Legal Subdivision	ORANGEWOOD ESTATES SUB
Legal Tract	64739
Legal Block	L
Legal Lot Number	26
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2013
Census Tract	25307

Owner

13111 Ridge Rd is owned and occupied by two individuals who bought it in December 2024.

Source: Pinellas County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	13111 RIDGE RD, LARGO, FL 33778-1800
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 31, 2026	Deed of Trust, Mortgage · Line of Credit ACHIEVA CREDIT UNION
Jul 29, 2022	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jan 18, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage CRAIN BROTHERS PROPERTIES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2024 · Amount on File
Deed Sale	Dec 26, 2024 · Amount on File
Prior Sale	Jul 29, 2022 · Amount on File
Deed Document Number	2024323615
Deed Book / Page	23013 / 1084
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Recording Date	Jul 31, 2026
Property Address	13111 RIDGE RD, LARGO, FL 33778-1800
Document Number	0000205314
Book / Page	23647 / 377
Instrument Date	Jul 25, 2026
Instrument	2026205314
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13111 RIDGE RD, LARGO, FL 33778-1800

Mortgage

Document Number	0000205314,
Date	Jul 31, 2026
Book Page	23647/377
Instrument	2026205314

Lender

Name	ACHIEVA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 27, 2051

Interest

Rate	6.49%
Max Rate	-1%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jul 29, 2022
Property Address	13111 RIDGE RD, LARGO, FL 33778-1800
Document Number	0221501598
Book / Page	22150 / 1598
Map Reference	MB 69 PG 18
Instrument Date	Jul 11, 2022
Instrument	2022232711
Transaction Type	Transfer
Record Updated	Aug 19, 2022
Title Company	INTEGRITY TTL & GUARANTY AGC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2525 W BAY DRD, 2525, LARGO, FL 33770

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24224 N 82ND LN, PEORIA, AZ 85383-1000

Mortgage

Document Number	0221501600
Date	Jul 29, 2022
Instrument	22150/1600

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Mortgage

Document Number	0221501616
Date	Jul 29, 2022
Book Page	22150/1616
Instrument	2022232713

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jan 18, 2022
Property Address	13111 RIDGE RD, LARGO, FL 33778-1800
Document Number	0218942407
Book / Page	21894 / 2407
Map Reference	MB 69 PG 18
Instrument Date	Jan 14, 2022
Instrument	2022017299
Transaction Type	Transfer
Record Updated	Jan 31, 2022
Title Company	SOMERS TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2525 WEST BAY DR, LARGO, FL 33770-1951

Mortgage

Document Number	0218942409
Date	Jan 18, 2022
Instrument	21894/2409

Lender

Name	CRAIN BROTHERS PROPERTIES LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 13111 Ridge Rd was $7,333.

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	$7,333.00	$428,455 Land $146,765 Building $281,690	$428,455 Land $146,765 Building $281,690
2023	$7,160.00 (+548.55%)	$378,631 (+250.64%)	$378,631 (+45.23%) Land $162,296 Building $216,335
2022	$1,104.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption	$107,982	$260,703 Land $156,454 Building $104,249

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

FEMA maps place 13111 Ridge Rd 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 13111 Ridge Rd 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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