3204 Bluffs Dr, Largo, FL 33770 Property Records

Pinellas County property record for 3204 Bluffs Dr, Largo, FL 33770

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,499 sqft · built 1979
Lot Size	0.292 acres (12,706 sqft)
Owner	2 Individual Names on File
Last Sale	$740,000 (Nov 2022)
Tax Bill	$10,067 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-747-7332-6`

Property Details

APN / Parcel Number

Primary APN	`C62-000-747-7332-6`
Alternative APNs	`32-29-15-09423-000-0030` `291532094230000030` `152932094230000030` `R353911`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,499 sqft Living Area
Gross Area	3,305 sqft
1st Floor Area	2,499 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1984
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	12,706 sqft (0.292 acres)
Lot Dimensions	127 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	386 sqft
Deck Area	156 sqft
Patio Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R353911
Street Address	3204 BLUFFS DR
City	LARGO
State	FL
Zip	33770-2719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLUFFS, THE LOT 3
Legal Range	15E
Legal Township	29S
Legal Section	32
Legal Subdivision	BLUFFS, THE
Legal Tract	9423
Legal Lot Number	3
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1000
Census Tract	25211

Owner

3204 Bluffs Dr is owned and occupied by two individuals who bought it in November 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3204 BLUFFS DR, LARGO, FL 33770-2719
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 16, 2019	Warranty Deed, Transfer · Conventional Mortgage LENDUS LLC
May 16, 2019	Correction Deed HILLSBOROUGH TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2022 · Amount on File
Deed Sale	Nov 22, 2022 · Amount on File
Prior Sale	May 16, 2019 · Amount on File
Deed Document Number	2022337519
Deed Book / Page	22270 / 491
Prior Transfer Date	May 9, 2019
Prior Transfer Doc	0205411691
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Nov 22, 2022
Property Address	3204 BLUFFS DR, LARGO, FL 33770-2719
Document Number	0222700491
Book / Page	22270 / 491
Map Reference	MB 65 PG 57-59
Instrument Date	Nov 15, 2022
Instrument	2022337519
Transaction Type	Transfer
Record Updated	Mar 21, 2024
Title Company	COMPASS LAND AND TITLE, COMPASS LAND & TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,180.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17622 PINE KNOLL DR, DADE CITY, FL 33523-0641

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3204 BLUFFS DR, LARGO, FL 33770-2719

Mortgage

Document Number	0022270493
Date	Nov 22, 2022
Instrument	22270/493

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	May 16, 2019
Property Address	3204 BLUFFS DR, LARGO, FL 33770-2719
Document Number	0205411691
Book / Page	20541 / 1691
Map Reference	MB 65 PG 57-59
Instrument Date	May 9, 2019
Instrument	2019155000
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	HILLSBOROUGH TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	137 WALL ST, 137, REDINGTON SHORES, FL 33708-1243

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3204 BLUFFS DR, LARGO, FL 33770-2719

Mortgage

Document Number	2019155001
Date	May 16, 2019
Instrument	2019155001

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

May 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	PINELLAS FL
Recording Date	May 16, 2019
Property Address	3204 BLUFFS DR, LARGO, FL 33770-2719
Document Number	0205411689
Book / Page	020541 / 001689
Instrument Date	May 9, 2019
Instrument	154999
Record Updated	Jun 4, 2019
Title Company	HILLSBOROUGH TITLE INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3204 BLUFFS DR LARGO FL 337702719, LARGO, FL 33770-2719

Tax Assessment & Valuation

The 2025 property tax bill for 3204 Bluffs Dr was $10,067 with a homeowner's exemption, up 5.4% 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	$10,067.00 (+5.38%) Homeowner's exemption	$572,422	$658,379 Land $287,317 Building $371,062
2024	$9,553.00 (+1.45%)
2023	$9,416.00 (+49.79%) Homeowner's exemption	$540,087 (+53.73%)	$608,424 (+73.18%) Land $308,353 Building $300,071
2022	$6,286.00	$351,329	$351,329 Land $213,328 Building $138,001

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3204 Bluffs Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2024.

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 26 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	3 (2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 3 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

Wildfire risk around 3204 Bluffs Dr 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.

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.

Nearby Properties on Bluffs Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures