12817 Cobalt Ter, Bradenton, FL 34211 Property Records

Manatee County property record for 12817 Cobalt Ter, Bradenton, FL 34211

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,617 sqft · built 2020
Lot Size	0.102 acres (4,476 sqft)
Owner	Individual Name on File
Last Sale	$497,000 (Oct 2023)
Tax Bill	$6,697 (2024)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`5787.4175-9`

Property Details

APN / Parcel Number

Primary APN	`5787.4175-9`
Alternative APN	`351904578741759`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,617 sqft Living Area
Gross Area	2,320 sqft

Exterior

Year Built	Built 2020
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	4,476 sqft (0.102 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	351904578741759
Street Address	12817 COBALT TER
City	BRADENTON
State	FL
Zip	34211-1224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-R
Legal Description	LOT 513, INDIGO PHASE VII SUBPHASE 7A & 7B PI#5787.4175/9
Legal Range	19E
Legal Township	35S
Legal Section	04
Legal Subdivision	INDIGO PHASE VII SUBPHASE 7A & 7B
Legal Phase	61
Legal Tract	578705
Legal Lot Number	513
Jurisdiction	MANATEE FL
Township / Civil Division	MYAKKA CITY
Census Block Group	1
Census Block	1046
Census Tract	2021

Owner

12817 Cobalt Ter is owned and occupied by an individual who bought it in October 2023.

Source: Manatee County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	12817 COBALT TER, BRADENTON, FL 34211-1224
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

Date	Document
Oct 27, 2023	Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Aug 4, 2020	Grant Deed, Subdivision Related Transfer · Conventional Mortgage NEAL COMMUNITIES FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2023 · Amount on File
Deed Sale	Oct 27, 2023 · Amount on File
Prior Sale	Aug 4, 2020 · Amount on File
Deed Document Number	202341114726
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Oct 27, 2023
Property Address	12817 COBALT TER, BRADENTON, FL 34211-1224
Document Number	0041114726
Map Reference	MB 62 PG 125-133
Instrument Date	Oct 26, 2023
Instrument	202341114726
Transaction Type	Transfer
Record Updated	Nov 14, 2023
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,479.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2614 LIGHT SKY LN, BRADENTON, FL 34211-4134

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12817 COBALT TER, BRADENTON, FL 34211-1224
Investor	Possibly a Property Investor

Mortgage

Document Number	0041114727
Date	Oct 27, 2023
Instrument	202341114727

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

August 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	MANATEE FL
Recording Date	Aug 4, 2020
Property Address	12817 COBALT TER, BRADENTON, FL 34211-1224
Document Number	0041080506
Instrument Date	Jul 15, 2020
Instrument	41080506
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 25, 2020
Title Company	ALLEGIANT TITLE PROFESSIONALS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,300.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 LOCH LN LEDGEWOOD NJ 078522103, LEDGEWOOD, NJ 07852-2103

Mortgage

Document Number	41080507
Date	Aug 4, 2020
Instrument	41080507

Lender

Name	NEAL COMMUNITIES FNDG
Address	MAITLAND, FL 32751

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 3, 2050

Tax Assessment & Valuation

Source: Manatee County assessment roll, as of July 1, 2025

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
2025		$379,780	$429,121 Land $99,875 Building $329,246
2024	$6,697.00 (-7.02%)
2023	$7,203.00 (+9.52%) Homeowner's exemption	$395,888 (+22.65%) Land $99,875 Building $296,013	$395,888 (+22.65%) Land $99,875 Building $296,013
2022	$6,577.00	$322,769 Land $65,000 Building $257,769	$322,769 Land $65,000 Building $257,769

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

Flood

FEMA maps place 12817 Cobalt Ter 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 246 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	246 in force
Nearby Flood Claims	2 (2022–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2024 · Hurricane Debby

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 12817 Cobalt Ter is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 297 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

Cell Coverage

5G (outdoors only) and 4G LTE

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