2020 Harbourside Dr, Unit 411, Longboat Key, FL 34228 Property Records

Sarasota County property record for 2020 Harbourside Dr, Unit 411, Longboat Key, FL 34228

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,442 sqft · built 1984
Owner	Individual Name on File
Last Sale	$967,500 (Apr 2023)
Tax Bill	$7,772 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`0008-02-2031`

Property Details

APN / Parcel Number

Primary APN	`0008-02-2031`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,442 sqft Living Area
1st Floor Area	1,442 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2009
Exterior Material	Concrete
Foundation Type	Pier/Post & Beam
Roof Type	Flat
Roof Material	Concrete
View / Lot	Water
Garage Type	Basement
Garage Area	1 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	210 sqft
Deck Area	100 sqft
Patio Area	100 sqft
Balcony	Balcony
Balcony Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2020 HARBOURSIDE DR UNIT 411, 411
City	LONGBOAT KEY
State	FL
Zip	34228-4244
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PD
Legal Description	UNIT 411 BLDG M-4 FAIRWAY BAY 2 PHASE 1
Legal Range	17E
Legal Township	36S
Legal Section	17
Legal Subdivision	FAIRWAY BAY 2 PH 1
Legal Phase	1
Legal Tract	7841
Legal Lot Number	411
Jurisdiction	SARASOTA FL
Township / Civil Division	LONGBOAT KEY
Census Block Group	1
Census Block	1003
Census Tract	802

Owner

Source: Sarasota County records, as of January 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	504 WINDHAM HILL RD, KNOXVILLE, TN 37934-4553
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2023 · Amount on File
Deed Sale	Apr 19, 2023 · Amount on File
Prior Sale	May 23, 2011 · Amount on File
Deed Document Number	2023062943
Record Updated	Jun 8, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARASOTA FL
Recording Date	Apr 19, 2023
Property Address	2020 HARBOURSIDE DR UNIT 411, 411, LONGBOAT KEY, FL 34228-4244
Document Number	0000062943
Map Reference	MB 23 PG 16
Instrument Date	Apr 14, 2023
Instrument	2023062943
Transaction Type	Transfer
Record Updated	May 3, 2023
Title Company	CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,772.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2020 HARBOURSIDE DR UNIT 411, 411, LONGBOAT KEY, FL 34228-4244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 WINDHAM HILL RD, KNOXVILLE, TN 37934-4553

Mortgage

Document Number	0000062944
Date	Apr 19, 2023
Instrument	2023062944

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	May 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10%
Index	Other
Margin	3
Max Rate	10%

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	$7,772.00 (+36.4%)	$603,400 (+33.04%) Building $603,400	$603,400 (-26.21%) Building $603,400
2023	$5,698.00 (+6.88%)	$453,544 (+7.85%)	$817,700 (+28.21%) Building $817,700
2022	$5,331.00 Homeowner's exemption	$420,528	$637,800 Building $637,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 482 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,264 units insured incl. 782 condo units
Nearby Flood Claims	231 (1978–2024)
Claims Outside the SFHA	1 of 231
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 5 claims Hurricane Helene, Sep 2024 · 117 claims Tropical Storm Josephine, Oct 1996 · 9 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 96% of the US · lower than 96% 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.

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 22 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