10540 Cheval Pl, Bradenton, FL 34202 Property Records

Manatee County property record for 10540 Cheval Pl, Bradenton, FL 34202

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,443 sqft · built 2000
Lot Size	0.471 acres (20,517 sqft)
Owner	2 Trust Names on File
Last Sale	$449,000 (May 2019)
Tax Bill	$5,906 (2024)
Deeds & Mortgages	Sep 2021 Mortgage Aug 2025 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`5876-4720-7`

Property Details

APN / Parcel Number

Primary APN	`5876-4720-7`
Alternative APNs	`351930587647207` `0587647207`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,443 sqft Living Area
Gross Area	3,841 sqft
1st Floor Area	2,443 sqft
Utility Area	1 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2009
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,517 sqft (0.471 acres)
View / Lot	Lake Front
Garage Type	Attached
Garage Area	858 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	420 sqft
Porch	Screened Porch
Porch Area	540 sqft
Patio Area	215 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	0587647207
Street Address	10540 CHEVAL PL
City	BRADENTON
State	FL
Zip	34202-4044
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-R
Legal Description	LOT 4202 RIVER CLUB SOUTH SUBPHASE IV PI#5876.4720/7
Legal Range	19E
Legal Township	35S
Legal Section	30
Legal Subdivision	RIVER CLUB SOUTH SUBPHASE IV
Legal Tract	00587604
Legal Lot Number	4202
Jurisdiction	MANATEE FL
Township / Civil Division	MYAKKA CITY
Census Block Group	2
Census Block	2012
Census Tract	2017

Owner

10540 Cheval Pl is owner-occupied and held in a trust since May 2019.

Source: Manatee County records, as of July 23, 2026

Owner of Record	2 Trust Names on File
Mailing Address	10540 CHEVAL PL, BRADENTON, FL 34202-4044
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA
Aug 25, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jul 2, 2020	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BK NA
May 20, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2019 · Amount on File
Deed Sale	May 20, 2019 · Amount on File
Prior Sale	Apr 8, 1998 · Amount on File
Deed Document Number	201948666
Deed Book / Page	2782 / 6670
Prior Transfer Date	Dec 31, 2008
Prior Transfer Doc	0022845565
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	10540 CHEVAL PL, BRADENTON, FL 34202-4044
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10540 CHEVAL PL, BRADENTON, FL 34202-4044

Mortgage

Document Number	0041123171
Date	Sep 17, 2021
Instrument	202141123171

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

August 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MANATEE FL
Recording Date	Aug 25, 2025
Property Address	10540 CHEVAL PL, BRADENTON, FL 34202-4044
Document Number	0041104907
Map Reference	MB 32 PG 85
Instrument Date	Aug 21, 2025
Instrument	202541104907
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6148 STATE ROAD 70 E, BRADENTON, FL 34203-9712

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10540 CHEVAL PL, BRADENTON, FL 34202-4044

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	10540 CHEVAL PL, BRADENTON, FL 34202-4044
Document Number	0041073210
Instrument Date	Jul 2, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10540 CHEVAL PL BRADENTON FL 342024044, BRADENTON, FL 34202-4044

Mortgage

Document Number	0041073210
Date	Jul 17, 2020
Instrument	41073210

Lender

Name	BMO HARRIS BK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2050

Interest

Rate Type	Adjustable Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	May 20, 2019
Property Address	10540 CHEVAL PL, BRADENTON, FL 34202-4044
Document Number	0027826670
Book / Page	002782 / 006670
Instrument Date	May 9, 2019
Instrument	41048666
Transaction Type	Transfer
Record Updated	Jun 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$3,143.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3512 CAINE DR NAPERVILLE IL 605644186, NAPERVILLE, IL 60564-4186

Tax Assessment & Valuation

Source: Manatee County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Manatee County
Unified School District	Manatee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$459,555 (+2.7%)	$618,425 (-0.45%) Land $71,400 Building $547,025
2025		$447,473	$621,204 Land $71,400 Building $549,804
2024	$5,906.00 (+1.08%)
2023	$5,843.00 (+2.65%) Homeowner's exemption	$422,196 (+3%)	$726,096 (+21.02%) Land $71,400 Building $654,696
2022	$5,692.00 Homeowner's exemption	$409,899	$599,993 Land $70,000 Building $529,993

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

Flood

FEMA maps place 10540 Cheval Pl 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	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 164 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	164 in force
Nearby Flood Claims	10 (2017–2025)
Claims Outside the SFHA	8 of 10
Most Recent Claim	Aug 2025 · rainfall accumulation
Claims by Event	Hurricane Debby, Aug 2024 · 7 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 10540 Cheval Pl is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% 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	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

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, 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 230 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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