10823 Charlotte Dr, Parrish, FL 34219 Property Records

Manatee County property record for 10823 Charlotte Dr, Parrish, FL 34219

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,043 sqft · built 2021
Lot Size	0.16 acres (6,960 sqft)
Owner	2 Individual Names on File
Last Sale	$381,260 (Jan 2022)
Tax Bill	$5,892 (2024)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`4004-1895-9`

Property Details

APN / Parcel Number

Primary APN	`4004-1895-9`
Alternative APN	`331917400418959`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,043 sqft Living Area
Gross Area	2,751 sqft
1st Floor Area	2,043 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,960 sqft (0.16 acres)
View / Lot	Preserve
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10823 CHARLOTTE DR
City	PARRISH
State	FL
Zip	34219-2323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-MU
Legal Description	LOT 169, BELLA LAGO PH I PI #4004.1895/9
Legal Range	19E
Legal Township	33S
Legal Section	17
Legal Subdivision	BELLA LAGO PH I
Legal Lot Number	169
Jurisdiction	MANATEE FL
Township / Civil Division	PARRISH
Census Block Group	1
Census Block	1023
Census Tract	1916

Owner

10823 Charlotte Dr is owned and occupied by two individuals who bought it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	10823 CHARLOTTE DR, PARRISH, FL 34219-2323
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	2 Names on Deed
Last Sale	Jan 3, 2022 · Amount on File
Deed Sale	Jan 3, 2022 · Amount on File
Deed Document Number	2022172
Record Updated	Sep 20, 2026

January 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Jan 3, 2022
Property Address	10823 CHARLOTTE DR, PARRISH, FL 34219-2323
Document Number	0041000172
Map Reference	MB 66 PG 166-198
Instrument Date	Dec 28, 2021
Instrument	202241000172
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 30, 2026
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,669.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12602 TELECOM DR # 100, 100, TEMPLE TERRACE, FL 33637-0935

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10823 CHARLOTTE DR, PARRISH, FL 34219-2323

Mortgage

Document Number	0041000173
Date	Jan 3, 2022
Instrument	202241000173

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	4.04%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Max Rate	9.75%

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		$330,814 (-0.82%) Land $65,025 Building $265,789	$330,814 (-0.82%) Land $65,025 Building $265,789
2025		$333,554 Land $65,025 Building $268,529	$333,554 Land $65,025 Building $268,529
2024	$5,892.00 (-1.49%)
2023	$5,981.00 (+1.96%) Homeowner's exemption	$329,649 (+3%)	$350,822 (+9.62%) Land $40,800 Building $310,022
2022	$5,866.00 Homeowner's exemption	$320,048 Land $40,000 Building $280,048	$320,048 Land $40,000 Building $280,048

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

Flood

FEMA maps place 10823 Charlotte Dr 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	36.7 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 511 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	511 in force

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 10823 Charlotte Dr is high, ranking above 78% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 78% of the US · above 67% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20