509 Circle Dr N, Largo, FL 33770 Property Records

Pinellas County property record for 509 Circle Dr N, Largo, FL 33770

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,326 sqft · built 1956
Lot Size	0.193 acres (8,385 sqft)
Owner	2 Individual Names on Record
Last Sale	$289,900 (Sep 2020)
Tax Bill	$5,478 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-748-0397-4`

Property Details

APN / Parcel Number

Primary APN	`C62-000-748-0397-4`
Alternative APNs	`33-29-15-74736-003-0210` `291533747360030210` `152933747360030210` `R364174`

Interior

Full Baths	1 Bath
Plumbing Fixtures	4 Plumbing Fixtures
Stories	1 Story
Building Area	1,326 sqft Living Area
Gross Area	1,856 sqft
1st Floor Area	1,326 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1999
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,385 sqft (0.193 acres)
Lot Dimensions	120 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open/Unfinished Porch
Porch Area	218 sqft
Deck Area	200 sqft
Patio Area	200 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R364174
Street Address	509 CIRCLE DR N
City	LARGO
State	FL
Zip	33770-3152
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RICHMOND HILL BLK C, LOT 21
Legal Range	15E
Legal Township	29S
Legal Section	33
Legal Subdivision	RICHMOND HILL
Legal Tract	74736
Legal Block	C
Legal Lot Number	21
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	2
Census Block	2008
Census Tract	25211

Owner

Source: Pinellas County records, as of March 30, 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 CIRCLE DR N, LARGO, FL 33770-3152
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2020	Deed of Trust, Mortgage · VA Mortgage FIRST COMMUNITY MORTGAGE INC
Sep 9, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 17, 2018	Warranty Deed, Transfer · VA Mortgage HOMETOWN LNDRS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2020 · Amount on Record
Deed Sale	Sep 9, 2020 · Amount on Record
Prior Sale	Jan 17, 2018 · Amount on Record
Deed Document Number	2020269140
Deed Book / Page	21158 / 204
Last Transfer Date	Jul 29, 2024
Transfer Doc	0000196618
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	509 CIRCLE DR N, LARGO, FL 33770-3152
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0208312109
Date	Jan 2, 2020
Book Page	20831/2109
Instrument	2020001736

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company
Address	MURFREESBORO, TN 37129

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Sep 9, 2020
Property Address	509 CIRCLE DR N, LARGO, FL 33770-3152
Document Number	0211580204
Book / Page	21158 / 204
Map Reference	MB 39 PG 9
Instrument Date	Aug 28, 2020
Instrument	2020269140
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	TIAGO NATIONAL TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,029.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	294 WAKEFIELD LN S, 294, MARTINEZ, GA 30907-9535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 CIRCLE DR N, LARGO, FL 33770-3152
Investor	Possibly a Property Investor

Mortgage

Document Number	0021158206
Date	Sep 9, 2020
Instrument	21158/206

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Jan 17, 2018
Property Address	509 CIRCLE DR N, LARGO, FL 33770-3152
Document Number	0199110785
Book / Page	019911 / 000785
Instrument Date	Jan 10, 2018
Instrument	16348
Transaction Type	Transfer
Record Updated	Feb 6, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,673.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	509 CIRCLE DR N LARGO FL 337703152, LARGO, FL 33770-3152

Mortgage

Document Number	199110787
Date	Jan 17, 2018
Book Page	019911/000787
Instrument	16349

Lender

Name	HOMETOWN LNDRS
Address	HUNTSVILLE, AL 35806

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 16, 2048

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	$5,478.00 (+5.57%)	$330,756 (+5.99%)	$356,463 (+3.85%) Land $136,478 Building $219,985
2024	$5,189.00 (+1.67%)
2023	$5,104.00 (+2.86%) Homeowner's exemption	$312,072 (+3%)	$343,262 (+13.29%) Land $163,593 Building $179,669
2022	$4,962.00 Homeowner's exemption	$302,983	$302,983 Land $155,870 Building $147,113

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 61 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	61 in force
Nearby Flood Claims	11 (2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 10 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	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 278 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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