Sarasota County property record for 1388 Harbor Dr, Sarasota, FL 34239
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 6 ba · 1,949 sqft · built 2007 |
| Lot Size | 0.362 acres (15,779 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $32,091 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage May 2019 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 2037-06-0044 |
| Primary APN | 2037-06-0044 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,949 sqft Living Area |
| 1st Floor Area | 1,949 sqft |
| 2nd Floor Area | 2,866 sqft |
| Upper Floors Area | 2,866 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Retaining Wall |
| Roof Type | Flat |
| Roof Material | Urethane Foam |
| Lot Area | 15,779 sqft (0.362 acres) |
| View / Lot | Water |
| Garage Type | Attached |
| Garage Area | 1,144 sqft |
| Pool Area | 385 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,579 sqft |
| Deck Area | 48 sqft |
| Patio Area | 676 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1388 HARBOR DR |
|---|---|
| City | SARASOTA |
| State | FL |
| Zip | 34239-2012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF1 |
| Legal Description | LOT 35 HARBOR ACRES SEC 1 |
| Legal Range | 18E |
| Legal Township | 36S |
| Legal Section | 30 |
| Legal Subdivision | HARBOR ACRES |
| Legal Tract | 813 |
| Legal Lot Number | 35 |
| Jurisdiction | SARASOTA FL |
| Township / Civil Division | SARASOTA |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 501 |
1388 Harbor Dr is owned and occupied by two individuals who acquired it in December 2003.
Source: Sarasota County records, as of January 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1388 HARBOR DR, SARASOTA, FL 34239-2012 |
| 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.
| Date | Document |
|---|---|
| Sep 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| May 23, 2019 | Deed of Trust, Mortgage · Commercial Mortgage SEASIDE NATIONAL BANK & TRUST |
| Nov 27, 2017 | Loan Modification, Mortgage NORTHERN TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 17, 2003 |
| Deed Sale | Dec 17, 2003 |
| Prior Sale | Apr 30, 1996 |
| Deed Document Number | 2003251712 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SARASOTA FL |
| Property Address | 1388 HARBOR DR, SARASOTA, FL 34239-2012 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1388 HARBOR DR, SARASOTA, FL 34239-2012 |
| Document Number | 0000176883 |
|---|---|
| Date | Sep 28, 2021 |
| Instrument | 2021176883 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Oct 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.62% |
| Index | Other |
| Max Rate | 7.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SARASOTA FL |
| Property Address | 1388 HARBOR DR, SARASOTA, FL 34239-2012 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000068825 |
|---|---|
| Date | May 23, 2019 |
| Instrument | 2019068825 |
| Name | SEASIDE NATIONAL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32801 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 14, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SARASOTA FL |
| Property Address | 1388 HARBOR DR, SARASOTA, FL 34239-2012 |
| Document Number | 0000150374 |
| Instrument Date | Nov 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1388 HARBOR DR SARASOTA FL 342392012, SARASOTA, FL 34239-2012 |
| Document Number | 0000150374 |
|---|---|
| Date | Dec 7, 2017 |
| Instrument | 150374 |
| Name | NORTHERN TR |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 6, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
The 2025 property tax bill for 1388 Harbor Dr was $32,091 with a homeowner's exemption.
Source: Sarasota County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Sarasota County |
| Municipality | Sarasota City |
| Unified School District | Sarasota County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $32,091.00 Homeowner's exemption | $2,196,627 | $4,852,400 Land $2,640,800 Building $2,211,600 |
| 2023 | $30,777.00 (+2.35%) Homeowner's exemption | $2,072,544 (+3%) | $4,086,900 (-1.98%) Land $1,964,600 Building $2,122,300 |
| 2022 | $30,071.00 Homeowner's exemption | $2,012,179 | $4,169,500 Land $2,031,600 Building $2,137,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1388 Harbor 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 3, 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 | 7.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 165 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 165 in force |
| Nearby Flood Claims | 118 (1981–2025) |
| Claims Outside the SFHA | 6 of 118 |
| Most Recent Claim | Jul 2025 · rainfall accumulation |
| Claims by Event |
|
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 risk around 1388 Harbor Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | SARASOTA-CITY OF serves 55,364 people · EPA ID FL6580326 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 214 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
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