103 77th St, Holmes Beach (Bradenton Beach), FL 34217 Property Records

Manatee County property record for 103 77th St, Holmes Beach, FL 34217

Property Summary

Property Type	Duplex
Details	7 bd · 7.5 ba · 4,436 sqft · built 2015
Lot Size	0.142 acres (6,175 sqft)
Owner	Company Name on File
Last Sale	$600,000 (Apr 2012)
Tax Bill	$41,389 (2025)
Deeds & Mortgages	May 2024 Mortgage
Flood Zone	Zone AE (high risk)
APN	`71274-0000-5`

Property Details

APN / Parcel Number

Primary APN	`71274-0000-5`
Alternative APN	`3416207127400005`

Interior

Bedrooms	7 Beds
Full Baths	7.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	27 Plumbing Fixtures
Units	2 Units
Stories	2 Stories
Building Area	4,436 sqft Living Area
Gross Area	5,899 sqft
1st Floor Area	840 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2016
Architectural Style	Duplex Single
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,175 sqft (0.142 acres)
Lot Dimensions	65 ft deep x 186 ft wide
View / Lot	Gulf
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	171 sqft
Porch	Open Porch
Porch Area	1,236 sqft
Deck Area	24 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	103 77TH ST
City	HOLMES BEACH
State	FL
Zip	34217-1043
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	HB_R-2
Legal Description	LOT 7 SUNSET BEACH PI#71274.0000/5
Legal Range	16E
Legal Township	34S
Legal Section	20
Legal Subdivision	SUNSET BEACH
Legal Tract	07126600
Legal Lot Number	7
Jurisdiction	MANATEE FL
Township / Civil Division	BRADENTON
Census Block Group	1
Census Block	1009
Census Tract	1802

Owner

Source: Manatee County records · APN 71274-0000-5

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	PO BOX 2118, ANNA MARIA, FL 34216-2118
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 19, 2012 · Amount on Record
Deed Sale	Apr 19, 2012 · Amount on Record
Deed Document Number	20123016723
Deed Book / Page	2416 / 6168
Record Updated	Sep 20, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	103 77TH ST, HOLMES BEACH, FL 34217-1043
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 69TH ST, HOLMES BEACH, FL 34217-1321

Mortgage

Document Number	0041052189
Date	May 20, 2024
Instrument	202441052189

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.95%
Type Change Date	Jun 01, 2034
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.9%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.9%

Tax Assessment & Valuation

Source: Manatee County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Florida
County	Manatee County
Municipality	Holmes Beach City
Unified School District	Manatee 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
2026		$2,572,605 (-15.84%)	$2,660,849 (-12.95%) Land $1,044,863 Building $1,615,986
2025	$41,389.00 (+4.23%)	$3,056,705 (-0.79%) Land $1,044,863 Building $2,011,842	$3,056,705 (-0.79%) Land $1,044,863 Building $2,011,842
2024	$39,711.00 (+2.22%)
2023	$38,847.00 (+22.45%)	$3,080,978 (+31.95%) Land $1,044,863 Building $2,036,115	$3,080,978 (+31.95%) Land $1,044,863 Building $2,036,115
2022	$31,725.00	$2,334,901 Land $614,625 Building $1,720,276	$2,334,901 Land $614,625 Building $1,720,276

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Manatee County (12081C), updated September 2, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120810018021, 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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	Hurricane Milton, Oct 2024 · 9 claims Hurricane Helene, Sep 2024 · 254 claims

Wildfire

Wildfire Risk	Not rated no burnable land within 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 · sampled at 418 locations within half a mile · Last verified October 2026

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 USA Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	MANATEE COUNTY UTILITIES DEPT serves 347,800 people
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2022) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.