3945 E Bay Dr, Largo, FL 33771 Property Records

Pinellas County property record for 3945 E Bay Dr, Largo, FL 33771 · Last verified January 2026

Property Highlights

Property Type	Commercial > Office > Bank, Financial Building
Bathrooms	1 Baths
Architecture Style	Other
Year Built	Built 2011
Square Footage	4,389 sqft Heated Area
Lot Size	37,688 sqft (0.865 acres)
Last Sale	$600,000 (2003)
Tax Bill	$27,987.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`C62-000-748-3751-9`
Alternative APNs	`36-29-15-00000-410-0100` `152936000004100100` `R393576`

Interior

Full Baths	1 Bath
Plumbing Fixtures	4 Plumbing Fixtures
Building Area	4,389 sqft Heated Area
1st Floor Area	4,389 sqft 1st Floor
Stories	1 Story
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Foundation Type	Footing
Roof Type	Rigid Frame Bar Joist
Roof Material	Built-Up Asphalt
Lot Area	37,688 sqft (0.865 acres)
Porch	Open Porch
Porch Area	63 sqft Porch
Canopy	900 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	R393576
Old Parcel Number	152936000004100100
Street Address	3945 E BAY DR
City	LARGO
State	FL
Zip	33771-1939
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Legal Description	FROM NW COR OF NE 1/4 OF SE 1/4 TH S 50FT TH S89DE 1070.41FT FOR POB TH S89DE 63.67FT TH S86DE 136.16FT TH S 200FT ALG W R/W
Legal Range	15
Legal Township	29
Legal Section	36
Legal Subdivision	ACREAGE & UNREC
Legal Block	410
Legal Lot Number	100
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1000
Census Tract	25416

Owner

Source: Pinellas County records · APN C62-000-748-3751-9

Assessment roll updated July 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on File
Mailing Address	200 S BISCAYNE BLVD FL 6, 6, MIAMI, FL 33131-5351

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 07, 2003 · Amount on Record
Deed Sale	Oct 07, 2003 · Amount on Record
Deed Document Number	0001312741
Deed Book / Page	13127 / 41
Record Updated	Jun 08, 2026

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PINELLAS FL
Property Address	3945 E BAY DR, LARGO, FL 33771-1939
Document Number	0195302156
Book / Page	019530 / 002156
Instrument Date	Feb 22, 2017
Transaction Type	Mortgage
Record Updated	May 19, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	200 S BISCAYNE BLVD #6TH MIAMI FL 331312310, 6TH, MIAMI, FL 33131-2310

Mortgage

Document Number	0195302156
Date	Feb 23, 2017
Book Page	019530/002156
Instrument	59681

Lender

Name	FIRST NAT'L BK/S MIAMI
Type	Bank
Address	5750 SUNSET DR, SOUTH MIAMI, FL 33143-5332

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 22, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Pinellas County records · Assessment roll updated July 1, 2025 · Last verified January 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$27,987.00 (+8.82%)	$1,474,000 (+8.38%)	$1,474,000 (+8.38%) Land $492,883 Building $981,117
2023	$25,719.00 (+2.4%)	$1,360,000 (+3.03%)	$1,360,000 (+3.03%) Land $495,346 Building $864,654
2022	$25,115.00	$1,320,000	$1,320,000 Land $408,008 Building $911,992

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Pinellas County (12103C), updated April 12, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.