Manatee County property record for 109 45th St E, Palmetto, FL 34221
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,179 sqft · built 2001 |
| Lot Size | 0.338 acres (14,723 sqft) |
| Owner | Company Name on Record |
| Last Sale | $64,100 (Oct 2012) |
| Tax Bill | $3,296 (2025) |
| Deeds & Mortgages | Dec 2019 Loan Modification Oct 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 22976-0105-9 |
| Primary APN | 22976-0105-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,179 sqft Living Area |
| Gross Area | 1,789 sqft |
| 1st Floor Area | 1,179 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,723 sqft (0.338 acres) |
| View / Lot | Standard |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 190 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 109 45TH ST E |
|---|---|
| City | PALMETTO |
| State | FL |
| Zip | 34221-7302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-6 |
| Legal Description | LOT 1 BEND OF TERRA CEIA PI#22976.0105/9 |
| Legal Range | 17E |
| Legal Township | 34S |
| Legal Section | 01 |
| Legal Subdivision | BEND OF TERRA CEIA |
| Legal Tract | 02297600 |
| Legal Lot Number | 1 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | PALMETTO |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 1404 |
Source: Manatee County records, as of July 23, 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 Record |
|---|---|
| Mailing Address | 15771 RED HILL AVE, TUSTIN, CA 92780-7303 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Dec 20, 2019 | Loan Modification, Mortgage · Line of Credit MORGAN STANLEY ASSET FNDG |
| Oct 27, 2017 | Trustee's Deed, Transfer · Line of Credit MORGAN STANLEY ASSET FNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 9, 2012 · Amount on Record |
| Deed Sale | Oct 9, 2012 · Amount on Record |
| Prior Sale | Jan 3, 2007 · Amount on Record |
| Deed Document Number | 20123073534 |
| Deed Book / Page | 2440 / 2541 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Dec 20, 2019 |
| Property Address | 109 45TH ST E, PALMETTO, FL 34221-7302 |
| Document Number | 0028191078 |
| Book / Page | 002819 / 001078 |
| Instrument Date | Dec 12, 2019 |
| Instrument | 41128203 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2020 |
| Title Company | OS NATIONAL LLC, OS NAT'L LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1508 BROOKHOLLOW DR SANTA ANA CA 927055426, SANTA ANA, CA 92705-5426 |
| Document Number | 28191078 |
|---|---|
| Date | Dec 20, 2019 |
| Book Page | 002819/001078 |
| Instrument | 41128203 |
| Name | MORGAN STANLEY ASSET FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | 1585 BROADWAY # 24TH, NEW YORK, NY 10036-8200 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Oct 27, 2017 |
| Property Address | 109 45TH ST E, PALMETTO, FL 34221-7302 |
| Document Number | 0026984228 |
| Book / Page | 002698 / 004228 |
| Instrument Date | Oct 24, 2017 |
| Instrument | 41101957 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2018 |
| Title Company | OS NATIONAL LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1508 BROOKHOLLOW DR SANTA ANA CA 927055433, SANTA ANA, CA 92705-5433 |
| Investor | Possibly a Property Investor |
| Document Number | 26984239 |
|---|---|
| Date | Oct 27, 2017 |
| Book Page | 002698/004239 |
| Instrument | 41101958 |
| Name | MORGAN STANLEY ASSET FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | 1585 BROADWAY # 25TH, NEW YORK, NY 10036-8200 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Manatee County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Manatee County |
| Unified School District | Manatee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $224,373 (-) Land $39,950 Building $184,423 | $224,373 (-) Land $39,950 Building $184,423 | |
| 2025 | $3,296.00 (+7.26%) | $224,373 (-2.01%) Land $39,950 Building $184,423 | $224,373 (-2.01%) Land $39,950 Building $184,423 |
| 2024 | $3,073.00 (+2.57%) | ||
| 2023 | $2,996.00 (+9.3%) | $228,985 (+11.11%) Land $39,950 Building $189,035 | $228,985 (+11.11%) Land $39,950 Building $189,035 |
| 2022 | $2,741.00 | $206,086 Land $25,000 Building $181,086 | $206,086 Land $25,000 Building $181,086 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 4 (1981–1998) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Feb 1998 · Severe Storms, High Winds, Tornadoes, And Flooding |
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.
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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 247 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures