108 78th St, Holmes Beach (Bradenton Beach), FL 34217 Property Records

Manatee County property record for 108 78th St, Holmes Beach, FL 34217

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,604 sqft · built 1946
Lot Size	0.206 acres (8,960 sqft)
Owner	Individual Name on File
Last Sale	$695,000 (Apr 2004)
Tax Bill	$19,797 (2025)
Deeds & Mortgages	Jul 2019 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`71246-0000-3`

Property Details

APN / Parcel Number

Primary APN	`71246-0000-3`
Alternative APN	`3416207124600003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,604 sqft Living Area
Gross Area	1,884 sqft
1st Floor Area	1,604 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1958
Exterior Material	Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,960 sqft (0.206 acres)
Lot Dimensions	80 ft deep x 112 ft wide
View / Lot	Island
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Pool Area	392 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	108 78TH ST
City	HOLMES BEACH
State	FL
Zip	34217-1046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HB_R-2
Legal Description	LOT 5, LESS E 16 FT, LOT 6, BLK E HOLMES BEACH DEV THIRD UNIT OR 733 PG 30 PI#71246.0000/3
Legal Range	16E
Legal Township	34S
Legal Section	20
Legal Subdivision	HOLMES BEACH DEVELOPMENT 3RD UNIT
Legal Tract	07124000
Legal Block	E
Legal Lot Number	5
Jurisdiction	MANATEE FL
Township / Civil Division	BRADENTON
Census Block Group	1
Census Block	1004
Census Tract	1802

Owner

108 78th St is owned and occupied by an individual who bought it in April 2004.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 1726, BRADENTON, FL 34206-1726
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2004 · Amount on File
Deed Sale	Apr 20, 2004 · Amount on File
Prior Sale	Jun 25, 1999 · Amount on File
Deed Document Number	20041941308
Deed Book / Page	1918 / 1230
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	108 78TH ST, HOLMES BEACH, FL 34217-1046
Document Number	0027932534
Instrument Date	Jul 19, 2019
Transaction Type	Mortgage
Record Updated	Aug 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 48TH ST HOLMES BEACH FL 342171818, HOLMES BEACH, FL 34217-1818

Mortgage

Document Number	0027932534
Date	Jul 23, 2019
Book Page	002793/002534
Instrument	41072099

Lender

Name	IBERIABANK
Type	Bank
Address	SARASOTA, FL 34236

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 108 78th St was $19,797 with a senior citizen's exemption, up 3.9% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,228,268 (-16.72%)	$1,473,005 (-0.12%) Land $1,305,260 Building $167,745
2025	$19,797.00 (+3.86%)	$1,474,841 Land $1,305,260 Building $169,581	$1,474,841 Land $1,305,260 Building $169,581
2024	$19,061.00 (+2.08%)
2023	$18,673.00 (+31.76%)	$1,495,212 (+56.5%) Land $1,305,260 Building $189,952	$1,495,212 (+56.5%) Land $1,305,260 Building $189,952
2022	$14,172.00	$955,399 Land $767,800 Building $187,599	$955,399 Land $767,800 Building $187,599

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

Flood

FEMA maps place 108 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	8.0 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	Hurricane Milton, Oct 2024 · 9 claims Hurricane Helene, Sep 2024 · 254 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

The area around 108 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.

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 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