13809 Palazzo Ter, Bradenton, FL 34211 Property Records

Manatee County property record for 13809 Palazzo Ter, Bradenton, FL 34211

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,305 sqft · built 2015
Lot Size	0.311 acres (13,587 sqft)
Owner	Trust Name on File
Last Sale	$714,844 (Aug 2015)
Tax Bill	$13,923 (2024)
Deeds & Mortgages	Feb 2022 Mortgage Dec 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`5799.4805-9`

Property Details

APN / Parcel Number

Primary APN	`5799.4805-9`
Alternative APN	`351909579948059`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	3,305 sqft Living Area
Gross Area	5,155 sqft
1st Floor Area	3,305 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2016
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	13,587 sqft (0.311 acres)
Garage Type	Attached
Garage Area	786 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	1,064 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	351909579948059
Street Address	13809 PALAZZO TER
City	BRADENTON
State	FL
Zip	34211-8506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-MU
Legal Description	LOT 471-R ESPLANADE PHASE III REVISED PORTION PI#5799.4805/9
Legal Range	19E
Legal Township	35S
Legal Section	09
Legal Subdivision	ESPLANADE PHASE III REVISED PORTION
Legal Phase	3
Legal Tract	579906
Legal Lot Number	471
Jurisdiction	MANATEE FL
Township / Civil Division	MYAKKA CITY
Census Block Group	1
Census Block	1000
Census Tract	2019

Owner

13809 Palazzo Ter is owner-occupied and held in a trust since July 2025.

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

Owner of Record	Trust Name on File
Co-owner	2 Co-owners on File
Mailing Address	13809 PALAZZO TER, BRADENTON, FL 34211-8506
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
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
Feb 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
Dec 7, 2020	Warranty Deed, Transfer SUNBELT TITLE (AGENCY)

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Aug 19, 2015 · Amount on File
Deed Sale	Aug 19, 2015 · Amount on File
Prior Sale	Dec 7, 2020 · Amount on File
Deed Document Number	0025832151
Deed Book / Page	002583 / 002151
Last Transfer Date	Jul 15, 2025
Transfer Doc	0041087058
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	13809 PALAZZO TER, BRADENTON, FL 34211-8506
Transaction Type	Mortgage
Record Updated	Feb 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13809 PAIAZZOTERR, BRADENTON, FL 34211

Mortgage

Document Number	0041020481
Date	Feb 14, 2022
Instrument	202241020481

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 8, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Feb 8, 2032
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	4.5%
Index	1-Year CMT
Margin	3
Max Rate	8.5%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Dec 7, 2020
Property Address	13809 PALAZZO TER, BRADENTON, FL 34211-8506
Document Number	0041134884
Instrument Date	Nov 13, 2020
Instrument	41134884
Transaction Type	Transfer
Record Updated	Dec 21, 2020
Title Company	SUNBELT TITLE (AGENCY)

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13809 PALAZZO TER BRADENTON FL 342118506, BRADENTON, FL 34211-8506

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		$879,989	$1,152,963 Land $224,825 Building $928,138
2024	$13,923.00 (+0.8%)
2023	$13,813.00 (+2.4%) Homeowner's exemption	$830,281 (+3%)	$1,245,735 (+37.94%) Land $224,825 Building $1,020,910
2022	$13,489.00 Homeowner's exemption	$806,098	$903,069 Land $170,000 Building $733,069

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

Flood

FEMA maps place 13809 Palazzo Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Flood Insurance Cost	Premium on File median of 260 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	260 in force
Nearby Flood Claims	3 (2022–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Debby, Aug 2024 · 2 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 13809 Palazzo Ter is moderate, ranking above 61% 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 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% 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 256 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 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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