Pinellas County property record for 3316 Whispering Dr S, Largo, FL 33771
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,343 sqft · built 1987 |
| Lot Size | 0.196 acres (8,516 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,443 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Apr 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C62-000-748-7291-2 |
| Primary APN | C62-000-748-7291-2 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,343 sqft Living Area |
| Gross Area | 1,767 sqft |
| 1st Floor Area | 1,343 sqft |
| Flooring | Carpet |
| Interior Walls | Composition |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Custom Design |
| Exterior Material | Frame Siding |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 8,516 sqft (0.196 acres) |
| Lot Dimensions | 71 ft deep x 60 ft wide |
| Pool Type | Spa / Hot Tub (No Pool) |
| Porch | Patio |
| Porch Area | 424 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R6538 |
|---|---|
| Street Address | 3316 WHISPERING DR S |
| City | LARGO |
| State | FL |
| Zip | 33771-3923 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TALL PINES ESTATES PHASE IV LOT 215 |
| Legal Range | 15E |
| Legal Township | 30S |
| Legal Section | 1 |
| Legal Subdivision | TALL PINES ESTATES |
| Legal Phase | 4 |
| Legal Tract | 89026 |
| Legal Lot Number | 215 |
| Jurisdiction | PINELLAS FL |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 25411 |
3316 Whispering Dr S is owned and occupied by two individuals who acquired it in November 2003.
Source: Pinellas County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3316 WHISPERING DR S, LARGO, FL 33771-3923 |
| 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 |
|---|---|
| Jun 2, 2022 | Deed of Trust, Mortgage THIRD FSLA OF CLEVELAND |
| Apr 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 7, 2003 |
| Deed Sale | Nov 7, 2003 |
| Prior Sale | Apr 5, 2000 · Amount on File |
| Deed Document Number | 2003477317 |
| Deed Book / Page | 13198 / 2005 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 3316 WHISPERING DR S, LARGO, FL 33771-3923 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0220851840 |
|---|---|
| Date | Jun 2, 2022 |
| Book Page | 22085/1840 |
| Instrument | 2022173277 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Amount | Amount on Record |
|---|---|
| Term | 119 Months |
| Due | May 12, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINELLAS FL |
| Property Address | 3316 WHISPERING DR S, LARGO, FL 33771-3923 |
| Document Number | 0205392325 |
| Instrument Date | Apr 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2019 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3316 WHISPERING DR S LARGO FL 337713923, LARGO, FL 33771-3923 |
| Document Number | 0205392325 |
|---|---|
| Date | May 15, 2019 |
| Book Page | 020539/002325 |
| Instrument | 153359 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | May 14, 2024 |
The 2025 property tax bill for 3316 Whispering Dr S was $1,443 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 | $1,443.00 Homeowner's exemption | $118,212 | $376,766 Land $194,816 Building $181,950 |
| 2023 | $1,312.00 (+4.29%) Homeowner's exemption | $111,534 (+3%) | $365,506 (+15.92%) Land $223,483 Building $142,023 |
| 2022 | $1,258.00 Homeowner's exemption | $108,285 | $315,299 Land $203,034 Building $112,265 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3316 Whispering Dr S 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.
The area around 3316 Whispering Dr S has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 1,172 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: Frontier, T-Mobile, Verizon, WOW Internet, Cable & Phone.
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