Pinellas County property record for 13281 Clay Ave, Largo, FL 33773
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,808 sqft · built 1996 |
| Lot Size | 0.146 acres (6,364 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $227,000 (May 2018) |
| Tax Bill | $3,384 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-750-1899-4 |
| Primary APN | C62-000-750-1899-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,808 sqft Living Area |
| Gross Area | 2,320 sqft |
| 1st Floor Area | 1,808 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 6,364 sqft (0.146 acres) |
| Lot Dimensions | 109 ft deep x 58 ft wide |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 447 sqft |
| Deck Area | 220 sqft |
| Patio Area | 220 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R123046 |
|---|---|
| Street Address | 13281 CLAY AVE |
| City | LARGO |
| State | FL |
| Zip | 33773-1132 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | ULMERTON BLK 1, LOT 10 |
| Legal Range | 15E |
| Legal Township | 30S |
| Legal Section | 11 |
| Legal Subdivision | ULMERTON |
| Legal Tract | 93348 |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 25021 |
13281 Clay Ave is owned and occupied by two individuals who bought it in May 2018.
Source: Pinellas County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 13281 CLAY AVE, LARGO, FL 33773-1132 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| May 21, 2018 | Warranty Deed, Transfer · FHA Mortgage MAJESTIC HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 21, 2018 · Amount on File |
| Deed Sale | May 21, 2018 · Amount on File |
| Prior Sale | Sep 26, 2001 · Amount on File |
| Deed Document Number | 2018161459 |
| Deed Book / Page | 20059 / 494 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 13281 CLAY AVE, LARGO, FL 33773-1132 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 13231 CLAY AVE, LARGO, FL 33773-1132 |
| Document Number | 0221721454 |
|---|---|
| Date | Aug 18, 2022 |
| Book Page | 22172/1454 |
| Instrument | 2022252581 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | May 21, 2018 |
| Property Address | 13281 CLAY AVE, LARGO, FL 33773-1132 |
| Document Number | 0200590494 |
| Book / Page | 020059 / 000494 |
| Instrument Date | May 18, 2018 |
| Instrument | 161459 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2018 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,589.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 13281 CLAY AVE LARGO FL 337731132, LARGO, FL 33773-1132 |
| Document Number | 200590496 |
|---|---|
| Date | May 21, 2018 |
| Book Page | 020059/000496 |
| Instrument | 161460 |
| Name | MAJESTIC HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | 1819 EXCISE AVE, ONTARIO, CA 91761-8525 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 20, 2048 |
The 2025 property tax bill for 13281 Clay Ave was $3,384 with a homeowner's exemption.
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,384.00 Homeowner's exemption | $225,499 | $366,374 Land $117,048 Building $249,326 |
| 2023 | $3,234.00 (+1.38%) Homeowner's exemption | $212,761 (+3%) | $326,596 (+14.59%) Land $130,309 Building $196,287 |
| 2022 | $3,190.00 Homeowner's exemption | $206,564 | $285,023 Land $127,830 Building $157,193 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13281 Clay Ave in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2012.
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 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 |
|
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.
The area around 13281 Clay Ave 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.
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 |
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.
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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