Sarasota County property record for 186 Windward Dr, Osprey, FL 34229
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,505 sqft · built 1983 |
| Lot Size | 0.301 acres (13,130 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $565,000 (Jul 2026) |
| Tax Bill | $7,566 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Nov 2021 Transfer + 2 more |
| APN | 0157-07-0011 |
| Primary APN | 0157-07-0011 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,505 sqft Living Area |
| Gross Area | 3,243 sqft |
| 1st Floor Area | 2,505 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Concrete |
| Lot Area | 13,130 sqft (0.301 acres) |
| Lot Width | 1 ft Width |
| View / Lot | Mainland |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Porch | Screened Porch |
| Porch Area | 265 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0157070011 |
|---|---|
| Street Address | 186 WINDWARD DR |
| City | OSPREY |
| State | FL |
| Zip | 34229-9751 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF2 |
| Legal Description | LOT 136 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 | 136 |
| Jurisdiction | SARASOTA FL |
| Township / Civil Division | OSPREY-LAUREL-NOKOMIS |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 2102 |
Source: Sarasota County records, as of July 30, 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 | 186 WINDWARD DR, OSPREY, FL 34229-9751 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 22, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK |
| Nov 4, 2021 | Quit Claim Deed, Transfer ATTORNEY |
| Nov 4, 2021 | Warranty Deed, Transfer ATTORNEY |
| Nov 4, 2021 | Deed of Distribution, Transfer ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 2026 · Amount on Record |
| Deed Sale | Jul 22, 2026 · Amount on Record |
| Prior Sale | Nov 4, 2021 · Amount on Record |
| Deed Document Number | 202699476 |
| Prior Transfer Date | Oct 8, 2021 |
| Prior Transfer Doc | 0000200146 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SARASOTA FL |
| Recording Date | Jul 22, 2026 |
| Property Address | 186 WINDWARD DR, OSPREY, FL 34229-9751 |
| Document Number | 0000099476 |
| Instrument Date | Jul 20, 2026 |
| Instrument | 202699476 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $399,455.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 186 WINDWARD DR, OSPREY, FL 34229-9751 |
| Document Number | 0000099477, |
|---|---|
| Date | Jul 22, 2026 |
| Instrument | 202699477 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SARASOTA FL |
| Recording Date | Nov 4, 2021 |
| Property Address | 186 WINDWARD DR, OSPREY, FL 34229-9751 |
| Document Number | 0000200148 |
| Map Reference | MB 22 PG 27 |
| Instrument Date | Nov 1, 2021 |
| Instrument | 2021200148 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 105 OTTER DR, 105, STANDISH, ME 04084-6498 |
| Name | Verified Name |
|---|---|
| Address | 186 WINDWARD DR, OSPREY, FL 34229-9751 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SARASOTA FL |
| Recording Date | Nov 4, 2021 |
| Property Address | 186 WINDWARD DR, OSPREY, FL 34229-9751 |
| Document Number | 0000200147 |
| Map Reference | MB 22 PG 27 |
| Instrument Date | Oct 8, 2021 |
| Instrument | 2021200147 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,060.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 105 OTTER DR, 105, STANDISH, ME 04084-6498 |
| Name | Verified Name |
|---|---|
| Address | 186 WINDWARD DR, OSPREY, FL 34229-9751 |
| Document Type | Deed of Distribution |
|---|---|
| Jurisdiction | SARASOTA FL |
| Recording Date | Nov 4, 2021 |
| Property Address | 186 WINDWARD DR, OSPREY, FL 34229-9751 |
| Document Number | 0000200146 |
| Map Reference | MB 22 PG 27 |
| Instrument Date | Oct 8, 2021 |
| Instrument | 2021200146 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 105 OTTER DR, STANDISH, ME 04084-6498 |
Source: Sarasota County assessment roll, as of December 10, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Sarasota County |
| Unified School District | Sarasota County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,566.00 (-8.74%) | $588,800 (-5.72%) Land $314,700 Building $274,100 | $588,800 (-5.72%) Land $314,700 Building $274,100 |
| 2024 | $8,291.00 (+9.09%) | ||
| 2023 | $7,600.00 (+14.01%) | $624,500 (+15.71%) Land $288,000 Building $336,500 | $624,500 (+15.71%) Land $288,000 Building $336,500 |
| 2022 | $6,666.00 | $539,700 Land $253,500 Building $286,200 | $539,700 Land $253,500 Building $286,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 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 CO SPECIAL UTIL DIST serves 272,267 people · EPA ID FL6581591 |
|---|---|
| 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, 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 295 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 | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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