13971 Joyce Dr, Largo, FL 33774 Property Records

Pinellas County property record for 13971 Joyce Dr, Largo, FL 33774

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,926 sqft · built 1975
Lot Size	0.279 acres (12,136 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Nov 2013)
Tax Bill	$4,494 (2025)
Deeds & Mortgages	Mar 2020 Line of Credit Feb 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`C62-000-751-0423-2`

Property Details

APN / Parcel Number

Primary APN	`C62-000-751-0423-2`
Alternative APNs	`18-30-15-39955-000-0660` `301518399550000660` `153018399550000660` `R191005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,926 sqft Living Area
Gross Area	2,596 sqft
1st Floor Area	1,926 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1994
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	12,136 sqft (0.279 acres)
Lot Dimensions	145 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	362 sqft
Deck Area	220 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R191005
Street Address	13971 JOYCE DR
City	LARGO
State	FL
Zip	33774-4002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	HILLCREST MANOR 2ND ADD LOT 66 LESS E 5FT
Legal Range	15E
Legal Township	30S
Legal Section	18
Legal Subdivision	HILLCREST MANOR 2ND ADD
Legal Tract	39955
Legal Lot Number	66
Jurisdiction	PINELLAS FL
Township / Civil Division	BOCA CIEGA
Census Block Group	2
Census Block	2001
Census Tract	25119

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	2 Individual Names on Record
Mailing Address	13971 JOYCE DR, LARGO, FL 33774-4002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Feb 13, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2013 · Amount on Record
Deed Sale	Nov 4, 2013 · Amount on Record
Prior Sale	Nov 16, 2012 · Amount on Record
Deed Document Number	2013356658
Deed Book / Page	18214 / 2404
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	13971 JOYCE DR, LARGO, FL 33774-4002
Document Number	0209540038
Instrument Date	Mar 25, 2020
Transaction Type	Mortgage
Record Updated	May 1, 2020
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13971 JOYCE DR LARGO FL 337744002, LARGO, FL 33774-4002

Mortgage

Document Number	0209540038
Date	Apr 6, 2020
Book Page	020954/000038
Instrument	114547

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2050

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	13971 JOYCE DR, LARGO, FL 33774-4002
Document Number	0195262340
Book / Page	019526 / 002340
Instrument Date	Feb 13, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13971 JOYCE DR LARGO FL 337744002, LARGO, FL 33774-4002

Mortgage

Document Number	0195262340
Date	Feb 21, 2017
Book Page	019526/002340
Instrument	55863

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Pinellas County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,494.00 (+8.39%) Homeowner's exemption	$276,926 (+5.99%)	$492,526 (+0.76%) Land $206,544 Building $285,982
2023	$4,146.00 (+6.2%) Homeowner's exemption	$261,283 (+3%)	$488,832 (+14.76%) Land $261,754 Building $227,078
2022	$3,904.00 Homeowner's exemption	$253,673	$425,943 Land $251,015 Building $174,928

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 57 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	8 (1979–2024)
Claims Outside the SFHA	6 of 8
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 498 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	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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