9603 128th Ter, Largo, FL 33773 Property Records

Pinellas County property record for 9603 128th Ter, Largo, FL 33773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,584 sqft · built 1983
Lot Size	0.18 acres (7,836 sqft)
Owner	Individual Name on File
Last Sale	$279,000 (Dec 2018)
Tax Bill	$4,017 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`C62-000-750-1155-1`

Property Details

APN / Parcel Number

Primary APN	`C62-000-750-1155-1`
Alternative APNs	`11-30-15-09416-000-0280` `301511094160000280` `153011094160000280` `R122435`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,584 sqft Living Area
Gross Area	2,300 sqft
1st Floor Area	1,584 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1983
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	7,836 sqft (0.18 acres)
Lot Dimensions	84 ft deep x 73 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	236 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R122435
Street Address	9603 128TH TER
City	LARGO
State	FL
Zip	33773-1224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	BLUE WATER COVE LOT 28 LESS THAT PART DESC BEG NE COR OF SD LOT 28 TH S52D2726W 143FT TH N51D4926E 141.05FT TH S89D0116E 2.50FT TO POB
Legal Range	15E
Legal Township	30S
Legal Section	11
Legal Subdivision	BLUE WATER COVE
Legal Tract	9416
Legal Lot Number	28
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1027
Census Tract	25021

Owner

9603 128th Ter is owned and occupied by an individual who bought it in December 2018.

Source: Pinellas County records, as of September 10, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	9603 128TH TER, LARGO, FL 33773-1224
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2020	Deed of Trust, Mortgage · VA Mortgage RIVER CITY MORTGAGE LLC
Dec 26, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 2018 · Amount on File
Deed Sale	Dec 26, 2018 · Amount on File
Deed Document Number	2018406405
Deed Book / Page	20376 / 2019
Prior Transfer Date	Sep 9, 2009
Prior Transfer Doc	0166981985
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	9603 128TH TER, LARGO, FL 33773-1224
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9603 128TH TER, LARGO, FL 33773-1224

Mortgage

Document Number	0211752275
Date	Sep 22, 2020
Book Page	21175/2275
Instrument	2020282614

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Non-Lending Institution
Address	CINCINNATI, OH 45242

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Dec 26, 2018
Property Address	9603 128TH TER, LARGO, FL 33773-1224
Document Number	0203762019
Book / Page	020376 / 002019
Instrument Date	Dec 13, 2018
Instrument	406405
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	COASTLINE TITLE/PINELLAS LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,953.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9603 128TH TER LARGO FL 337731224, LARGO, FL 33773-1224

Mortgage

Document Number	203762022
Date	Dec 26, 2018
Book Page	020376/002022
Instrument	406406

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 25, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 9603 128th Ter was $4,017 with exemptions applied, up 4.7% from the year before.

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	$4,017.00 (+4.75%) Homeowner's exemption Veteran's exemption	$263,558	$405,877 Land $125,648 Building $280,229
2024	$3,835.00 (-0.31%)
2023	$3,847.00 (+1.37%) Homeowner's exemption Veteran's exemption	$248,670 (+3%)	$364,654 (+15.58%) Land $141,184 Building $223,470
2022	$3,795.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$241,427	$315,499 Land $137,288 Building $178,211

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

Flood

FEMA maps place 9603 128th Ter in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 158 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	158 in force
Nearby Flood Claims	18 (2012–2024)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 14 claims Hurricane Helene, Sep 2024 · 3 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

Wildfire risk around 9603 128th Ter is low, with less than a 0.01% annual chance of 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 638 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Frontier, WOW Internet, Cable & Phone.

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