974 Phyllis Ave, Largo, FL 33771 Property Records

Pinellas County property record for 974 Phyllis Ave, Largo, FL 33771 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,624 sqft · built 1960
Lot Size	0.193 acres (8,390 sqft)
Owner	2 Individual Names on File
Last Sale	$297,000 (Feb 2020)
Tax Bill	$5,012 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Feb 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C62-000-746-9105-6`

Property Details

APN / Parcel Number

Primary APN	`C62-000-746-9105-6`
Alternative APNs	`25-29-15-45378-000-0510` `291525453780000510` `152925453780000510` `R269278`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,624 sqft Living Area
Gross Area	2,314 sqft
1st Floor Area	1,624 sqft
Flooring	Carpet
Interior Walls	Composition

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1994
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	8,390 sqft (0.193 acres)
Lot Dimensions	105 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	270 sqft
Deck Area	290 sqft
Patio Area	200 sqft
Shed	1 Shed
Shed Area	124 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R269278
Street Address	974 PHYLLIS AVE
City	LARGO
State	FL
Zip	33771-1218
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEENE GROVES LOT 51
Legal Range	15E
Legal Township	29S
Legal Section	25
Legal Subdivision	KEENE GROVES
Legal Tract	45378
Legal Lot Number	51
Jurisdiction	PINELLAS FL
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1009
Census Tract	25407

Owner

Source: Pinellas County records · APN C62-000-746-9105-6

Assessment roll updated December 2, 2025 · Last verified June 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 File
Mailing Address	974 PHYLLIS AVE, LARGO, FL 33771-1218
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 05, 2025	Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Feb 05, 2024	Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Feb 18, 2020	Warranty Deed, Transfer · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Dec 01, 2019	Deed of Trust, Mortgage · Conventional Mortgage RLTIRA LLC
Dec 18, 2017	Trustee's Deed, Transfer · Construction Mortgage OTOC LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 18, 2020 · Amount on Record
Deed Sale	Feb 18, 2020 · Amount on Record
Prior Sale	Nov 16, 2016 · Amount on Record
Deed Document Number	202055145
Deed Book / Page	20887 / 1681
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	974 PHYLLIS AVE, LARGO, FL 33771-1218
Transaction Type	Mortgage
Record Updated	Dec 02, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 PHYLLIS AVE, LARGO, FL 33771-1218

Mortgage

Document Number	0233492398
Date	Nov 05, 2025
Book Page	23349/2398
Instrument	2025313014

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2055

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	974 PHYLLIS AVE, LARGO, FL 33771-1218
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 PHYLLIS AVE, LARGO, FL 33771-1218

Mortgage

Document Number	0226961555
Date	Feb 05, 2024
Book Page	22696/1555
Instrument	2024029105

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2054

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINELLAS FL
Recording Date	Feb 18, 2020
Property Address	974 PHYLLIS AVE, LARGO, FL 33771-1218
Document Number	0208871681
Book / Page	20887 / 1681
Map Reference	MB 46 PG 60
Instrument Date	Feb 14, 2020
Instrument	2020055145
Transaction Type	Transfer
Record Updated	Feb 01, 2022
Title Company	BAXTER TITLE CORPORATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,079.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4711 14TH ST N, 4711, SAINT PETERSBURG, FL 33703-3503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 PHYLLIS AVE, LARGO, FL 33771-1218

Mortgage

Document Number	0208871683
Date	Feb 18, 2020
Instrument	20887/1683

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	974 PHYLLIS AVE, LARGO, FL 33771-1218
Document Number	0208380743
Instrument Date	Dec 01, 2019
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 PHYLLIS AVE LARGO FL 337711218, LARGO, FL 33771-1218

Mortgage

Document Number	0208380743
Date	Jan 08, 2020
Book Page	020838/000743
Instrument	8594

Lender

Name	RLTIRA LLC
Address	1022 MAIN ST, DUNEDIN, FL 34698-5238

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	5%

December 2017: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	PINELLAS FL
Recording Date	Dec 18, 2017
Property Address	974 PHYLLIS AVE, LARGO, FL 33771-1218
Document Number	0198791437
Book / Page	019879 / 001437
Instrument Date	Dec 01, 2017
Instrument	384045
Transaction Type	Transfer
Record Updated	Jan 03, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 PHYLLIS AVE LARGO FL 337711218, LARGO, FL 33771-1218

Mortgage

Document Number	198791437
Date	Dec 18, 2017
Book Page	019879/001437
Instrument	384045

Lender

Name	OTOC LLC
Address	15306 LAKE MAURINE DR, ODESSA, FL 33556-3112

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 17, 2018

Interest

Rate	7%

Tax Assessment & Valuation

Source: Pinellas County records · Assessment roll updated December 2, 2025 · Last verified June 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	$5,012.00 (+5.63%) Homeowner's exemption	$306,175 (+5.99%)	$402,578 (+3.01%) Land $127,446 Building $275,132
2024	$4,745.00 (+1.71%)
2023	$4,665.00 (+2.89%) Homeowner's exemption	$288,880 (+3%)	$390,813 (+28.37%) Land $157,663 Building $233,150
2022	$4,534.00 Homeowner's exemption	$280,466	$304,450 Land $145,703 Building $158,747

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Pinellas County (12103C), updated April 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121030254071, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 32 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	32 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2015, rainfall accumulation

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 511 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
WOW Internet, Cable & Phone	Cable	1,200 / 50
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Frontier, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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