509 4th Ave NE, Largo, FL 33770 Property Records

Pinellas County property record for 509 4th Ave NE, Largo, FL 33770

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,480 sqft · built 1954
Lot Size	0.284 acres (12,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Oct 2022)
Deeds & Mortgages	Dec 2022 Line of Credit Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-748-1901-2`

Property Details

APN / Parcel Number

Primary APN	`C62-000-748-1901-2`
Alternative APNs	`34-29-15-76536-005-0080` `291534765360050080` `152934765360050080` `R376186`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	2,480 sqft Living Area
Gross Area	3,678 sqft
1st Floor Area	1,296 sqft
Upper Floors Area	1,184 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1976
Architectural Style	Custom Design
Exterior Material	Frame Siding
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	12,375 sqft (0.284 acres)
Lot Dimensions	129 ft deep x 96 ft wide
Porch	Slab
Porch Area	580 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R376186
Street Address	509 4TH AVE NE
City	LARGO
State	FL
Zip	33770-5015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROOSEVELT GROVES BLK 5, LOTS 8 AND 9
Legal Range	15E
Legal Township	29S
Legal Section	34
Legal Subdivision	ROOSEVELT GROVES
Legal Tract	76536
Legal Block	5
Legal Lot Number	8,9
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1019
Census Tract	25604

Owner

Source: Pinellas County records, as of October 13, 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	509 4TH AVE NE, LARGO, FL 33770-5015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2022	Deed of Trust, Mortgage · Line of Credit VAST BANK NA
Oct 31, 2022	Warranty Deed, Transfer · Conventional Mortgage VAST BANK NA
Aug 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2022 · Amount on Record
Deed Sale	Oct 31, 2022 · Amount on Record
Deed Document Number	2022316585
Deed Book / Page	22248 / 1856
Prior Transfer Date	Oct 27, 2022
Prior Transfer Doc	0222481856
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	509 4TH AVE NE, LARGO, FL 33770-5015
Transaction Type	Mortgage
Record Updated	Jan 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 4TH AVE NE, LARGO, FL 33770-5015

Mortgage

Document Number	0223041872
Date	Dec 30, 2022
Book Page	22304/1872
Instrument	2022367715

Lender

Name	VAST BANK NA
Type	Bank
Address	WAYNE, NJ 07470

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Oct 31, 2022
Property Address	509 4TH AVE NE, LARGO, FL 33770-5015
Document Number	0222481856
Book / Page	22248 / 1856
Map Reference	MB 17 PG 18
Instrument Date	Oct 27, 2022
Instrument	2022316585
Transaction Type	Transfer
Record Updated	Dec 5, 2022
Title Company	COASTLINE TITLE/PINELLAS LLC, COASTLINE TITLE OF PINELLAS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3309 DENISE DR, 3309, ELLENTON, FL 34222-3552

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 4TH AVE NE, LARGO, FL 33770-5015

Mortgage

Document Number	0222481858
Date	Oct 31, 2022
Instrument	22248/1858

Lender

Name	VAST BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Nov 1, 2032
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	10.2%
Index	1-Year T-Bill
Max Rate	10.2%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	509 4TH AVE NE, LARGO, FL 33770-5015
Document Number	0206661416
Instrument Date	Aug 13, 2019
Transaction Type	Mortgage
Record Updated	Sep 11, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	509 4TH AVE NE LARGO FL 337705015, LARGO, FL 33770-5015

Mortgage

Document Number	0206661416
Date	Aug 23, 2019
Book Page	020666/001416
Instrument	271584

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2049

Tax Assessment & Valuation

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	Veteran's exemption	$213,702 (+5.99%)	$368,230 (+19.35%) Land $207,477 Building $160,753
2023	Homeowner's exemption	$201,630	$308,527 Land $188,665 Building $119,862

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 16 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	6 (1982–2024)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Oct 2024 · Hurricane Milton

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 99.8% of the US · lower than 99.7% 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 530 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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