1818 Needles Ln W, Largo, FL 33771 Property Records

Pinellas County property record for 1818 Needles Ln W, Largo, FL 33771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,212 sqft · built 1985
Lot Size	0.093 acres (4,055 sqft)
Owner	Individual Name on File
Last Sale	$242,000 (Jul 2020)
Tax Bill	$3,314 (2025)
Deeds & Mortgages	Jul 2026 Mortgage May 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-748-7065-0`

Property Details

APN / Parcel Number

Primary APN	`C62-000-748-7065-0`
Alternative APNs	`01-30-15-89021-000-1340` `301501890210001340` `153001890210001340` `R6312`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,212 sqft Living Area
Gross Area	1,650 sqft
1st Floor Area	1,212 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	4,055 sqft (0.093 acres)
Lot Dimensions	80 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	102 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R6312
Street Address	1818 NEEDLES LN W
City	LARGO
State	FL
Zip	33771-5331
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TALL PINES ESTATES PHASE II LOT 134
Legal Range	15E
Legal Township	30S
Legal Section	1
Legal Subdivision	TALL PINES ESTATES
Legal Phase	2
Legal Tract	89021
Legal Lot Number	134
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1012
Census Tract	25411

Owner

1818 Needles Ln W is owned and occupied by an individual who bought it in July 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1818 NEEDLES LN W, LARGO, FL 33771-5331
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage GTE FEDERAL CREDIT UNION
May 19, 2022	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Jul 20, 2020	Warranty Deed, Transfer · Conventional Mortgage SUNCOAST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2020 · Amount on File
Deed Sale	Jul 20, 2020 · Amount on File
Prior Sale	Jul 7, 2016 · Amount on File
Deed Document Number	2020214505
Deed Book / Page	21085 / 599
Prior Transfer Date	Oct 18, 2013
Prior Transfer Doc	0182031548
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Recording Date	Jul 29, 2026
Property Address	1818 NEEDLES LN W, LARGO, FL 33771-5331
Document Number	0000202375
Book / Page	23643 / 740
Instrument Date	Jul 17, 2026
Instrument	2026202375
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1818 NEEDLES LN W, LARGO, FL 33771-5331

Mortgage

Document Number	0000202375,
Date	Jul 29, 2026
Book Page	23643/740
Instrument	2026202375

Lender

Name	GTE FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	1818 NEEDLES LN W, LARGO, FL 33771-5331
Transaction Type	Mortgage
Record Updated	Jun 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1818 NEEDLES LN W, LARGO, FL 33771-5331

Mortgage

Document Number	0220680344
Date	May 19, 2022
Book Page	22068/344
Instrument	2022159461

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 18, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jul 20, 2020
Property Address	1818 NEEDLES LN W, LARGO, FL 33771-5331
Document Number	0210850599
Book / Page	021085 / 000599
Instrument Date	Jul 10, 2020
Instrument	214505
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	GULFSIDE TITLE SERVICES LLC, GULFSIDE TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,694.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1818 NEEDLES LN W LARGO FL 337715331, LARGO, FL 33771-5331

Mortgage

Document Number	210850601
Date	Jul 20, 2020
Book Page	021085/000601
Instrument	214506

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 19, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1818 Needles Ln W was $3,314 with a homeowner's exemption, up 5.8% from the year before.

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	$3,314.00 (+5.84%) Homeowner's exemption	$216,784	$284,121 Land $103,233 Building $180,888
2024	$3,131.00 (+1.99%)
2023	$3,070.00 (+3.16%) Homeowner's exemption	$204,538 (+3%)	$256,351 (+16.79%) Land $118,565 Building $137,786
2022	$2,976.00 Homeowner's exemption	$198,581	$219,506 Land $108,500 Building $111,006

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1818 Needles Ln W in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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 23 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	2 (1979–1982)
Most Recent Claim	May 1982 · tidal / storm surge

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

Wildfire risk around 1818 Needles Ln W 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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: WOW Internet, Cable & Phone.

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