4197 Harbor Cir S, Largo, FL 33770 Property Records

Pinellas County property record for 4197 Harbor Cir S, Largo, FL 33770

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,888 sqft · built 1969
Lot Size	0.299 acres (13,024 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Jan 2021)
Tax Bill	$11,254 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jan 2021 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`C62-000-749-3751-7`

Property Details

APN / Parcel Number

Primary APN	`C62-000-749-3751-7`
Alternative APNs	`06-30-15-36054-010-0740` `301506360540100740` `153006360540100740` `R61316`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,888 sqft Living Area
Gross Area	2,695 sqft
1st Floor Area	1,888 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1981
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	13,024 sqft (0.299 acres)
Lot Dimensions	147 ft deep x 72 ft wide
View / Lot	Canal/Waterfront
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	47 sqft
Deck Area	240 sqft
Patio Area	1,989 sqft
Loading Dock	350 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R61316
Street Address	4197 HARBOR CIR S
City	LARGO
State	FL
Zip	33770-4509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	HARBOR HILLS 3RD ADD BLK J, LOT 74
Legal Range	15E
Legal Township	30S
Legal Section	6
Legal Subdivision	HARBOR HILLS 3RD ADD
Legal Tract	36054
Legal Block	J
Legal Lot Number	74
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2000
Census Tract	25210

Owner

Source: Pinellas County records, as of September 10, 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	4197 HARBOR CIR S, LARGO, FL 33770-4509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jan 29, 2021	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC
Jan 12, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 18, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2021 · Amount on Record
Deed Sale	Jan 29, 2021 · Amount on Record
Deed Document Number	202130532
Deed Book / Page	21365 / 1352
Prior Transfer Date	Jan 4, 2021
Prior Transfer Doc	0213390568
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	4197 HARBOR CIR S, LARGO, FL 33770-4509
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4197 HARBOR CIR S, LARGO, FL 33770-4509

Mortgage

Document Number	0214370170
Date	Mar 16, 2021
Book Page	21437/170
Instrument	2021085341

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

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

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jan 29, 2021
Property Address	4197 HARBOR CIR S, LARGO, FL 33770-4509
Document Number	0213651352
Book / Page	021365 / 001352
Instrument Date	Jan 29, 2021
Instrument	30532
Transaction Type	Transfer
Record Updated	Feb 19, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

Amount	Amount Recorded
Tax	$4,200.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4197 HARBOR CIR S LARGO FL 337704509, LARGO, FL 33770-4509

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINELLAS FL
Recording Date	Jan 12, 2021
Property Address	4197 HARBOR CIR S, LARGO, FL 33770-4509
Document Number	0213390568
Book / Page	021339 / 000568
Instrument Date	Jan 4, 2021
Instrument	10658
Transaction Type	Transfer
Record Updated	Jan 25, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	8044 WISHING WELL RD LAS VEGAS NV 891232054, LAS VEGAS, NV 89123-2054

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PINELLAS FL
Recording Date	Aug 18, 2017
Property Address	4197 HARBOR CIR S, LARGO, FL 33770-4509
Document Number	0197451559
Book / Page	019745 / 001559
Instrument Date	Aug 9, 2017
Instrument	258439
Transaction Type	Transfer
Record Updated	Sep 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4197 HARBOR CIR S LARGO FL 337704509, LARGO, FL 33770-4509

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	$11,254.00 (-13.71%) Homeowner's exemption	$672,272 (-12.67%) Land $502,812 Building $169,460	$672,272 (-12.67%) Land $502,812 Building $169,460
2024	$13,042.00 (+1.25%)
2023	$12,881.00 (+19.9%) Homeowner's exemption	$769,801 (+28.5%)	$769,801 (+28.5%) Land $574,162 Building $195,639
2022	$10,743.00	$599,055	$599,055 Land $438,663 Building $160,392

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 263 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	263 in force
Nearby Flood Claims	186 (2024)
Claims Outside the SFHA	2 of 186
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 10 claims Hurricane Helene, Oct 2024 · 175 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	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.

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 422 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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