Pinellas County property record for 14005 Silver Oak Cir, Largo, FL 33774
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,519 sqft · built 1987 |
| Lot Size | 0.351 acres (15,272 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $449,000 (Aug 2020) |
| Tax Bill | $7,791 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Nov 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-749-4980-1 |
| Primary APN | C62-000-749-4980-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,519 sqft Living Area |
| Gross Area | 3,672 sqft |
| 1st Floor Area | 2,519 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 15,272 sqft (0.351 acres) |
| Lot Dimensions | 140 ft deep x 110 ft wide |
| Garage Type | Attached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 385 sqft |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R74887 |
|---|---|
| Street Address | 14005 SILVER OAK CIR |
| City | LARGO |
| State | FL |
| Zip | 33774-2027 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KENSINGTON OAKS SUB LOT 24 |
| Legal Range | 15E |
| Legal Township | 30S |
| Legal Section | 7 |
| Legal Subdivision | KENSINGTON OAKS SUB |
| Legal Tract | 46280 |
| Legal Lot Number | 24 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 25208 |
14005 Silver Oak Cir is owned and occupied by two individuals who bought it in August 2020.
Source: Pinellas County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 14005 SILVER OAK CIR, LARGO, FL 33774-2027 |
| 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 12, 2021 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Nov 28, 2022 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Aug 12, 2020 | Warranty Deed, Subdivision Related Transfer NAVY FCU |
| May 1, 2020 | Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 12, 2020 · Amount on File |
| Deed Sale | Aug 12, 2020 · Amount on File |
| Prior Sale | May 1, 2020 · Amount on File |
| Deed Document Number | 2020240155 |
| Deed Book / Page | 21119 / 802 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 14005 SILVER OAK CIR, LARGO, FL 33774-2027 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 14005 SILVER OAK CIR, LARGO, FL 33774-2027 |
| Document Number | 0216691275 |
|---|---|
| Date | Aug 12, 2021 |
| Book Page | 21669/1275 |
| Instrument | 2021265221 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 14005 SILVER OAK CIR, LARGO, FL 33774-2027 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2023 |
| Name | Verified Name |
|---|---|
| Address | 14005 SILVER OAK CIR, LARGO, FL 33774-2027 |
| Document Number | 0222732667 |
|---|---|
| Date | Nov 28, 2022 |
| Book Page | 22273/2667 |
| Instrument | 2022340951 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Dec 1, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | Aug 12, 2020 |
| Property Address | 14005 SILVER OAK CIR, LARGO, FL 33774-2027 |
| Document Number | 0211190802 |
| Book / Page | 021119 / 000802 |
| Instrument Date | Aug 7, 2020 |
| Instrument | 240155 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 2, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,143.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 14005 SILVER OAK CIR LARGO FL 337742027, LARGO, FL 33774-2027 |
| Document Number | 211190804 |
|---|---|
| Date | Aug 12, 2020 |
| Book Page | 021119/000804 |
| Instrument | 240156 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 11, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PINELLAS FL |
| Recording Date | May 1, 2020 |
| Property Address | 14005 SILVER OAK CIR, LARGO, FL 33774-2027 |
| Document Number | 0209860085 |
| Book / Page | 020986 / 000085 |
| Instrument Date | Mar 31, 2020 |
| Instrument | 139988 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount on Record |
|---|---|
| Tax | $2,170.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 14005 SILVER OAK CIR LARGO FL 337742027, LARGO, FL 33774-2027 |
The 2025 property tax bill for 14005 Silver Oak Cir was $7,791 with a homeowner's exemption.
Source: Pinellas County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Pinellas County |
| Municipality | Largo City |
| Unified School District | Pinellas County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,791.00 Homeowner's exemption | $452,573 | $549,215 Land $212,954 Building $336,261 |
| 2023 | $7,278.00 (+2.72%) Homeowner's exemption | $427,008 (+3%) | $541,111 (-10.41%) Land $259,448 Building $281,663 |
| 2022 | $7,085.00 Homeowner's exemption | $414,571 | $604,017 Land $380,178 Building $223,839 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 14005 Silver Oak Cir in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1992.
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 37 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 149 units insured incl. 112 condo units |
| Nearby Flood Claims | 5 (1992–2024) |
| Claims Outside the SFHA | 3 of 5 |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
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 risk around 14005 Silver Oak Cir is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 145 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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