2020 Harbourside Dr, Unit 421, Longboat Key, FL 34228 Property Records

Sarasota County property record for 2020 Harbourside Dr, Unit 421, Longboat Key, FL 34228

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,442 sqft · built 1984
Owner	Owner Name on File
Last Sale	$420,000 (Feb 2004)
Tax Bill	$5,199 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`0008-02-2037`

Property Details

APN / Parcel Number

Primary APN	`0008-02-2037`

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
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2004
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
Porch	Open Porch
Porch Area	210 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2020 HARBOURSIDE DR UNIT 421, 421
City	LONGBOAT KEY
State	FL
Zip	34228-4245
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PD
Legal Description	UNIT 421 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	421
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	Owner Name on File
Mailing Address	2020 HARBOURSIDE DR UNIT 421, 421, LONGBOAT KEY, FL 34228-4245
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2004 · Amount on File
Deed Sale	Feb 13, 2004 · Amount on File
Prior Sale	Oct 5, 1993
Deed Document Number	2004027131
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARASOTA FL
Property Address	2020 HARBOURSIDE DR UNIT 421, 421, LONGBOAT KEY, FL 34228-4245
Document Number	0000110984
Instrument Date	Aug 10, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2020 HARBOURSIDE DR #421 LONGBOAT KEY FL 342284245, 421, LONGBOAT KEY, FL 34228-4245

Mortgage

Document Number	0000110984
Date	Aug 17, 2020
Instrument	110984

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 16, 2030

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	$5,199.00 (-0.44%) Homeowner's exemption	$442,136 (+5.99%)	$690,800 (-4.4%) Building $690,800
2023	$5,222.00 (+13.23%) Homeowner's exemption	$417,160 (+13.89%)	$722,600 (+20.17%) Building $722,600
2022	$4,612.00 Homeowner's exemption	$366,272	$601,300 Building $601,300

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 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