Manatee County property record for 102 78th St, Holmes Beach, FL 34217
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2 ba · 1,813 sqft · built 1985 |
| Lot Size | 0.424 acres (18,461 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $2,384 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 71247-0015-9 |
| Primary APN | 71247-0015-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,813 sqft Living Area |
| Gross Area | 2,232 sqft |
| 1st Floor Area | 1,829 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Quadruplex |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 18,461 sqft (0.424 acres) |
| View / Lot | Gulf |
| Porch | Open Porch |
| Porch Area | 403 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 102 78TH ST |
|---|---|
| City | HOLMES BEACH |
| State | FL |
| Zip | 34217-1046 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | HB_R-2 |
| Legal Description | UNIT 102-B TOGETHER WITH PARKING SPACE 102-B (2 SPACES) OCEANA CONDO PI#71247.0015/9 |
| Legal Range | 16E |
| Legal Township | 34S |
| Legal Section | 20 |
| Legal Subdivision | OCEANA |
| Legal Tract | 07124700 |
| Legal Lot Number | 102-B |
| Legal Unit | 102-B |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | BRADENTON |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 1802 |
102 78th St, a condominium, is owner-occupied and held in a trust since February 1996.
Source: Manatee County records, as of July 23, 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 | 2 Trust Names on File |
|---|---|
| Mailing Address | 102 78TH ST, HOLMES BEACH, FL 34217-1046 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 23, 1996 |
| Transfer Doc | 1481001969 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 102 78th St was $2,384 with a homeowner's exemption, up 4.9% from the year before.
Source: Manatee County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Manatee County |
| Municipality | Holmes Beach City |
| Unified School District | Manatee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $329,155 (+2.7%) | $712,188 (-31.88%) Building $712,188 | |
| 2025 | $2,384.00 (+4.88%) Homeowner's exemption | $320,501 | $1,045,500 Building $1,045,500 |
| 2024 | $2,273.00 (-32.49%) | ||
| 2023 | $3,367.00 (+56.9%) Homeowner's exemption | $302,396 (+3%) | $1,164,500 (+7.67%) Building $1,164,500 |
| 2022 | $2,146.00 Homeowner's exemption | $293,588 | $1,081,500 Building $1,081,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 102 78th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 2, 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 File median of 331 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 513 units insured incl. 182 condo units |
| Nearby Flood Claims | 272 (2017–2024) |
| Most Recent Claim | Dec 2024 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 102 78th St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MANATEE COUNTY UTILITIES DEPT serves 347,800 people · EPA ID FL6411132 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2022) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 418 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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