20 Lighthouse Point Dr, Longboat Key, FL 34228 Property Records

Sarasota County property record for 20 Lighthouse Point Dr, Longboat Key, FL 34228

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,700 sqft · built 1995
Lot Size	0.716 acres (31,226 sqft)
Owner	Individual Name on Record
Tax Bill	$44,765 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Nov 2017 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`0013-03-0010`

Property Details

APN / Parcel Number

Primary APN	`0013-03-0010`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,700 sqft Living Area
1st Floor Area	3,700 sqft
2nd Floor Area	1,609 sqft
Upper Floors Area	1,609 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Retaining Wall
Roof Type	Hip
Roof Material	Concrete
Lot Area	31,226 sqft (0.716 acres)
Lot Width	1 ft Width
Garage Type	Attached
Garage Area	310 sqft

Exterior Amenities

Pool Area	412 sqft
Porch	Porch
Porch Area	538 sqft
Deck Area	45 sqft
Patio Area	650 sqft
Utility Building	240 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	20 LIGHTHOUSE POINT DR
City	LONGBOAT KEY
State	FL
Zip	34228-3917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GPD
Legal Description	LOT 9 LIGHTHOUSE POINT
Legal Range	17E
Legal Township	36S
Legal Section	27
Legal Subdivision	LIGHTHOUSE POINT
Legal Tract	2417
Legal Lot Number	9
Jurisdiction	SARASOTA FL
Township / Civil Division	LONGBOAT KEY
Census Block Group	3
Census Block	3003
Census Tract	801

Owner

Source: Sarasota County records, as of January 12, 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 Record
Mailing Address	20 LIGHTHOUSE POINT DR, LONGBOAT KEY, FL 34228-3917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage GUIF COAST BANK & TRUST CO
Nov 6, 2017	Deed of Trust, Mortgage · Line of Credit SYNOVUS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2013
Deed Sale	Oct 1, 2013
Prior Sale	Mar 25, 2005 · Amount on Record
Deed Document Number	2013135618
Record Updated	Jun 8, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARASOTA FL
Property Address	20 LIGHTHOUSE POINT DR, LONGBOAT KEY, FL 34228-3917
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000084104
Date	Jul 5, 2017
Instrument	2017084104

Lender

Name	GUIF COAST BANK & TRUST CO
Type	Non-Lending Institution
Address	BATON ROUGE, LA 70806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARASOTA FL
Property Address	20 LIGHTHOUSE POINT DR, LONGBOAT KEY, FL 34228-3917
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000137213
Date	Nov 6, 2017
Instrument	2017137213

Lender

Name	SYNOVUS BANK
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Sarasota County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Sarasota County
Municipality	Longboat Key Town
Unified School District	Sarasota County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$44,765.00 (+3.25%) Homeowner's exemption	$3,405,159 (+5.99%)	$7,056,200 (-3.11%) Land $4,630,900 Building $2,425,300
2023	$43,357.00 (+1.52%) Homeowner's exemption	$3,212,808 (+3%)	$7,282,800 (+2.1%) Land $4,918,200 Building $2,364,600
2022	$42,707.00 Homeowner's exemption	$3,119,231	$7,132,900 Land $5,031,300 Building $2,101,600

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 3, 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 194 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	850 units insured incl. 656 condo units
Nearby Flood Claims	137 (1982–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 22 claims Hurricane Helene, Sep 2024 · 72 claims Hurricane Irma, Sep 2017 · 6 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF LONGBOAT KEY serves 7,098 people · EPA ID FL6411098
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	11 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

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