203 Harbor Bluff Dr, Largo, FL 33770 Property Records

Pinellas County property record for 203 Harbor Bluff Dr, Largo, FL 33770

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,211 sqft · built 1962
Lot Size	0.293 acres (12,767 sqft)
Owner	2 Individual Names on Record
Last Sale	$470,000 (Oct 2019)
Tax Bill	$9,412 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-747-7644-4`

Property Details

APN / Parcel Number

Primary APN	`C62-000-747-7644-4`
Alternative APNs	`32-29-15-35640-005-0340` `291532356400050340` `152932356400050340` `R354223`

Interior

Full Baths	5 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	3,211 sqft Living Area
Gross Area	3,890 sqft
1st Floor Area	3,211 sqft
Flooring	Carpet

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2000
Architectural Style	H-Shape
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	12,767 sqft (0.293 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	547 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	122 sqft
Deck Area	180 sqft
Patio Area	625 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R354223
Street Address	203 HARBOR BLUFF DR
City	LARGO
State	FL
Zip	33770-2604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	HARBOR BLUFFS SEC 1 BLK E, LOT 34
Legal Range	15E
Legal Township	29S
Legal Section	32
Legal Subdivision	HARBOR BLUFFS SEC 1
Legal Tract	35640
Legal Block	E
Legal Lot Number	34
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1014
Census Tract	25210

Owner

Source: Pinellas County records, as of June 2, 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	203 HARBOR BLUFF DR, LARGO, FL 33770-2604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 11, 2023	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Jun 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 4, 2019	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2019 · Amount on Record
Deed Sale	Oct 4, 2019 · Amount on Record
Prior Sale	Feb 2, 2005 · Amount on Record
Deed Document Number	2019321319
Deed Book / Page	20720 / 2449
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	203 HARBOR BLUFF DR, LARGO, FL 33770-2604
Transaction Type	Mortgage
Record Updated	Mar 21, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0214972275
Date	Apr 22, 2021
Book Page	21497/2275
Instrument	2021131702

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	203 HARBOR BLUFF DR, LARGO, FL 33770-2604
Transaction Type	Mortgage
Record Updated	Mar 21, 2024
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0224032405
Date	Apr 11, 2023
Book Page	22403/2405
Instrument	2023093285

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	203 HARBOR BLUFF DR, LARGO, FL 33770-2604
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210212019
Date	Jun 2, 2020
Book Page	21021/2019
Instrument	2020166540

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 4, 2019
Property Address	203 HARBOR BLUFF DR, LARGO, FL 33770-2604
Document Number	0207202449
Book / Page	020720 / 002449
Instrument Date	Oct 3, 2019
Instrument	321319
Transaction Type	Transfer
Record Updated	Oct 21, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

Amount	Amount Recorded
Tax	$3,290.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	203 HARBOR BLUFF DR LARGO FL 337702604, LARGO, FL 33770-2604

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	$9,412.00 (+25.28%) Homeowner's exemption	$566,085 (+20.78%)	$984,041 (+54.19%) Land $309,048 Building $674,993
2023	$7,513.00 (+17.23%) Homeowner's exemption	$468,696 (+16.78%)	$638,180 (+33.43%) Land $342,825 Building $295,355
2022	$6,409.00 Homeowner's exemption	$401,350	$478,283 Land $290,031 Building $188,252

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 179 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	179 in force
Nearby Flood Claims	101 (1993–2024)
Most Recent Claim	Dec 2024 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 4 claims Hurricane Helene, Sep 2024 · 94 claims

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	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.

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 320 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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