Sarasota County property record for 173 Windward Dr, Osprey, FL 34229
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,118 sqft · built 1978 |
| Lot Size | 0.275 acres (12,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $515,000 (Oct 2018) |
| Tax Bill | $5,452 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Oct 2018 Sale & Mortgage |
| APN | 0157-07-0014 |
| Primary APN | 0157-07-0014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,118 sqft Living Area |
| 1st Floor Area | 3,118 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Concrete |
| Lot Area | 12,000 sqft (0.275 acres) |
| Lot Width | 1 ft Width |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Pool Area | 288 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 708 sqft |
| Patio Area | 468 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 173 WINDWARD DR |
|---|---|
| City | OSPREY |
| State | FL |
| Zip | 34229-9145 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF2 |
| Legal Description | LOT 114 SOUTHBAY YACHT & RACQUET CLUB |
| Legal Range | 18E |
| Legal Township | 38S |
| Legal Section | 15 |
| Legal Subdivision | SOUTHBAY YACHT & RACQUET CLUB |
| Legal Tract | 1854 |
| Legal Lot Number | 114 |
| Jurisdiction | SARASOTA FL |
| Township / Civil Division | OSPREY-LAUREL-NOKOMIS |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 2102 |
Source: Sarasota County assessment roll, APN 0157-07-0014, as of July 1, 2025 · Last verified January 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 173 WINDWARD DR, OSPREY, FL 34229-9145 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 07, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Oct 11, 2018 | Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 11, 2018 · Amount on Record |
| Deed Sale | Oct 11, 2018 · Amount on Record |
| Prior Sale | Jun 06, 2007 |
| Deed Document Number | 2018134638 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SARASOTA FL |
| Property Address | 173 WINDWARD DR, OSPREY, FL 34229-9145 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2022 |
| Name | Verified Name |
|---|---|
| Address | 173 WINDWARD DR, OSPREY, FL 34229-9145 |
| Document Number | 0000158061 |
|---|---|
| Date | Oct 07, 2022 |
| Instrument | 2022158061 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Oct 01, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SARASOTA FL |
| Recording Date | Oct 11, 2018 |
| Property Address | 173 WINDWARD DR, OSPREY, FL 34229-9145 |
| Document Number | 0000134638 |
| Map Reference | MB22 PG27&27A-27F |
| Instrument Date | Jul 16, 2018 |
| Instrument | 2018134638 |
| Transaction Type | Transfer |
| Record Updated | Jan 04, 2022 |
| Title Company | BARNES WALKER TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,605.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 237 WOODLAND DR, 237, OSPREY, FL 34229-9464 |
| Name | Verified Name |
|---|---|
| Address | 1262 CAPSTAN DR, FORKED RIVER, NJ 08731-2016 |
| Document Number | 0000134639 |
|---|---|
| Date | Oct 11, 2018 |
| Instrument | 2018134639 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Aug 01, 2048 |
Source: Sarasota County assessment roll as of July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Sarasota County |
| Unified School District | Sarasota County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,452.00 (-2.56%) Homeowner's exemption | $512,159 (+5.99%) | $689,300 (-6.05%) Land $354,000 Building $335,300 |
| 2023 | $5,595.00 (+1.97%) Homeowner's exemption | $483,228 (+3%) | $733,700 (+5.17%) Land $324,000 Building $409,700 |
| 2022 | $5,487.00 Homeowner's exemption | $469,153 | $697,600 Land $305,800 Building $391,800 |
Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121150021022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on Record median of 148 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 148 in force |
| Nearby Flood Claims | 12 (2024) |
| Claims Outside the SFHA | 2 of 12 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, 295 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System, water system FL6581591, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SARASOTA CO SPECIAL UTIL DIST serves 272,267 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2023) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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