Sarasota County property record for 105 Bay Ave, Osprey, FL 34229
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,381 sqft · built 1960 |
| Lot Size | 0.54 acres (23,530 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,000 (Mar 2018) |
| Tax Bill | $4,478 (2025) |
| Deeds & Mortgages | Jul 2021 Line of Credit May 2020 Second Mortgage + 1 more |
| APN | 0147-15-0002 |
| Primary APN | 0147-15-0002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,381 sqft Living Area |
| Gross Area | 2,865 sqft |
| 1st Floor Area | 2,381 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 23,530 sqft (0.54 acres) |
| Lot Dimensions | 184 ft deep x 123 ft wide |
| View / Lot | Mainland |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Pool Area | 384 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 52 sqft |
| Patio Area | 744 sqft |
| Shed | 1 Shed |
| Shed Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Account Number | 0147150002 |
|---|---|
| Street Address | 105 BAY AVE |
| City | OSPREY |
| State | FL |
| Zip | 34229-9519 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF1 |
| Legal Description | LOT 17 BLK 4 BAY ACRES RESUB |
| Legal Range | 18E |
| Legal Township | 38S |
| Legal Section | 10 |
| Legal Subdivision | BAY ACRES - RESUB |
| Legal Tract | 1065 |
| Legal Block | 4 |
| Legal Lot Number | 17 |
| Jurisdiction | SARASOTA FL |
| Township / Civil Division | OSPREY-LAUREL-NOKOMIS |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 2102 |
105 Bay Ave is owned and occupied by two individuals who bought it in March 2018.
Source: Sarasota County records, as of December 10, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 105 BAY AVE, OSPREY, FL 34229-9519 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 7, 2021 | Deed of Trust, Mortgage · Line of Credit BBVA USA |
| May 21, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Mar 22, 2018 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY FUNDING GROUP INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 22, 2018 · Amount on File |
| Deed Sale | Mar 22, 2018 · Amount on File |
| Prior Sale | Nov 22, 2016 · Amount on File |
| Deed Document Number | 201836524 |
| Prior Transfer Date | Jul 20, 2007 |
| Prior Transfer Doc | 0000123912 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SARASOTA FL |
| Property Address | 105 BAY AVE, OSPREY, FL 34229-9519 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 105 BAY AVE, OSPREY, FL 34229-9519 |
| Document Number | 0000126052 |
|---|---|
| Date | Jul 7, 2021 |
| Instrument | 2021126052 |
| Name | BBVA USA |
|---|---|
| Type | Bank |
| Address | OCALA, FL 34480 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SARASOTA FL |
| Property Address | 105 BAY AVE, OSPREY, FL 34229-9519 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000066253 |
|---|---|
| Date | May 21, 2020 |
| Instrument | 2020066253 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 22, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SARASOTA FL |
| Recording Date | Mar 22, 2018 |
| Property Address | 105 BAY AVE, OSPREY, FL 34229-9519 |
| Document Number | 0000036524 |
| Map Reference | MB7 PG16 |
| Instrument Date | Mar 5, 2018 |
| Instrument | 2018036524 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,010.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 105 BAY AVE, OSPREY, FL 34229-9519 |
| Document Number | 0000036525 |
|---|---|
| Date | Mar 22, 2018 |
| Instrument | 2018036525 |
| Name | FAIRWAY FUNDING GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
The 2025 property tax bill for 105 Bay Ave was $4,478 with a homeowner's exemption, down 12% from the year before.
Source: Sarasota County assessment roll, as of December 10, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Sarasota County |
| Unified School District | Sarasota County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,478.00 (-12.01%) Homeowner's exemption | $427,333 | $565,200 Land $190,200 Building $375,000 |
| 2024 | $5,089.00 (+4.56%) | ||
| 2023 | $4,867.00 (+2.51%) Homeowner's exemption | $400,767 (+3%) | $618,200 (+6.02%) Land $190,800 Building $427,400 |
| 2022 | $4,748.00 Homeowner's exemption | $389,094 | $583,100 Land $152,700 Building $430,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA's flood maps do not cover 105 Bay Ave; there have been 12 flood claims nearby since 2017.
Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Outside mapped area |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on File median of 174 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 506 units insured incl. 332 condo units |
| Nearby Flood Claims | 12 (2017–2024) |
| Claims Outside the SFHA | 7 of 12 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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.
Wildfire risk around 105 Bay Ave 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 98% of the US · lower than 97.6% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SARASOTA CO SPECIAL UTIL DIST serves 272,267 people · EPA ID FL6581591 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 217 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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