1709 4th St E, Palmetto, FL 34221 Property Records

Manatee County property record for 1709 4th St E, Palmetto, FL 34221

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,295 sqft · built 2024
Lot Size	0.345 acres (15,023 sqft)
Owner	2 Individual Names on Record
Last Sale	$580,000 (Aug 2023)
Tax Bill	$22,973 (2025)
Deeds & Mortgages	Sep 2023 Construction Loan Apr 2025 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`10157-4120-9`

Property Details

APN / Parcel Number

Primary APN	`10157-4120-9`
Alternative APN	`3418181015741209`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	3,295 sqft Living Area
Gross Area	5,047 sqft
1st Floor Area	3,295 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	15,023 sqft (0.345 acres)
View / Lot	River
Garage Type	Attached
Garage Area	720 sqft
Porch	Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1709 4TH ST E
City	PALMETTO
State	FL
Zip	34221-2474
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PL_PD-MU
Legal Description	LOT 224 SANCTUARY COVE TOGETHER WITH BOAT SLIP # 42 ESTATE MARINA PI#10157.4120/9
Legal Range	18E
Legal Township	34S
Legal Section	18
Legal Subdivision	SANCTUARY COVE
Legal Tract	01015700
Legal Lot Number	224
Jurisdiction	MANATEE FL
Township / Civil Division	BRADENTON
Census Block Group	1
Census Block	1022
Census Tract	1904

Owner

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	2 Individual Names on Record
Mailing Address	1709 4TH ST E, PALMETTO, FL 34221-2474
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2023	Deed of Trust, Mortgage · Construction Mortgage LAKE MICHIGAN CU
Apr 30, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Aug 8, 2023	Special Warranty Deed, Transfer BARNES WALKER TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2023 · Amount on Record
Deed Sale	Aug 8, 2023 · Amount on Record
Deed Document Number	202384926
Last Transfer Date	Apr 17, 2025
Transfer Doc	0000054593
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	1709 4TH ST E, PALMETTO, FL 34221-2474
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10641 GLENCORSE TER, BRADENTON, FL 34211-8473

Mortgage

Document Number	0041101910
Date	Sep 22, 2023
Instrument	202341101910

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Oct 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Oct 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	12.7%
Index	1-Year T-Bill
Max Rate	12.7%

April 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MANATEE FL
Recording Date	Apr 30, 2025
Property Address	1709 4TH ST E, PALMETTO, FL 34221-2474
Document Number	0041054593
Map Reference	MB 54 PG 71
Instrument Date	Apr 17, 2025
Instrument	202541054593
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1709 4TH ST E, PALMETTO, FL 34221-2474

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1709 4TH ST E, PALMETTO, FL 34221-2474

August 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Aug 8, 2023
Property Address	1709 4TH ST E, PALMETTO, FL 34221-2474
Document Number	0041084926
Map Reference	MB 54 PG 71
Instrument Date	Aug 8, 2023
Instrument	202341084926
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	BARNES WALKER TITLE INC

Transaction

Amount	Amount Recorded
Tax	$4,060.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	923 N PENNSYLVANIA AVE, WINTER PARK, FL 32789-2456

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10641 GLENCORSE TER, BRADENTON, FL 34211-8473

Tax Assessment & Valuation

Source: Manatee County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Manatee County
Municipality	Palmetto City
Unified School District	Manatee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,103,238 (+1.2%) Land $408,000 Building $695,238	$1,103,238 (+1.2%) Land $408,000 Building $695,238
2025	$22,973.00 (+138.04%)	$1,090,199 (+167.21%) Land $408,000 Building $682,199	$1,090,199 (+167.21%) Land $408,000 Building $682,199
2024	$9,651.00 (+86.67%)
2023	$5,170.00 (+5.47%)	$408,000 (+2%) Land $408,000	$408,000 (+2%) Land $408,000
2022	$4,902.00	$400,000 Land $400,000	$400,000 Land $400,000

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

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 157 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	157 in force
Nearby Flood Claims	124 (1979–2024)
Most Recent Claim	Oct 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Oct 2024 · 72 claims Hurricane Idalia, Aug 2023 · 6 claims Hurricane Frances, Sep 2004 · 20 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

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

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 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

May also be available: Verizon.

Nearby Properties on 4th St E

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures