221 Harbor Dr, Holmes Beach (Bradenton Beach), FL 34217 Property Records

Manatee County property record for 221 Harbor Dr, Holmes Beach, FL 34217

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,536 sqft · built 2011
Lot Size	0.151 acres (6,569 sqft)
Owner	2 Trust Names on File
Last Sale	$1,872,500 (Jan 2020)
Tax Bill	$33,304 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`73761-0000-9`

Property Details

APN / Parcel Number

Primary APN	`73761-0000-9`
Alternative APN	`3416287376100009`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	2,536 sqft Living Area
Gross Area	3,645 sqft
1st Floor Area	628 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2014
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	6,569 sqft (0.151 acres)
Lot Dimensions	90 ft deep x 73 ft wide
View / Lot	Canal Front
Garage Type	Attached
Garage Area	94 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	176 sqft
Porch	Open Porch
Porch Area	612 sqft
Patio Area	168 sqft
Balcony Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	221 N HARBOR DR
City	HOLMES BEACH
State	FL
Zip	34217-1917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HB_R-2
Legal Description	LOT 4 ALSO; BEG AT PT OF INTERSECTION OF LN BET LOTS 3 & 4 BLK C & NORTH HARBOR DR, THENCE RUN NELY ALG SD NORTH HARBOR DR 22 FT SELY TO PT ON SELY LN OF LOT 3 AT OUTER EDGE OF SEA
Legal Range	16E
Legal Township	34S
Legal Section	28
Legal Subdivision	SPORTSMANS HARBOR REVISED PLAT
Legal Tract	07373500
Legal Block	C
Legal Lot Number	4
Jurisdiction	MANATEE FL
Township / Civil Division	BRADENTON
Census Block Group	2
Census Block	2003
Census Tract	1801

Owner

221 Harbor Dr is owner-occupied and held in a trust since January 2020.

Source: Manatee County records, as of July 23, 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	2 Trust Names on File
Mailing Address	221 N HARBOR DR, HOLMES BEACH, FL 34217-1917
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST MIDWEST BANK
Jan 21, 2020	Warranty Deed, Transfer REAL EST MTG NTWK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2020 · Amount on File
Deed Sale	Jan 21, 2020 · Amount on File
Prior Sale	May 24, 2010 · Amount on File
Deed Document Number	20206295
Prior Transfer Date	Apr 9, 2003
Prior Transfer Doc	1819005472
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	221 HARBOR DR, HOLMES BEACH, FL 34217
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4724 CHEVAL BLVD, LUTZ, FL 33558-5350

Mortgage

Document Number	0041094488
Date	Jul 16, 2021
Instrument	202141094488

Lender

Name	FIRST MIDWEST BANK
Type	Bank
Address	GURNEE, IL 60031

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Jan 21, 2020
Property Address	221 N HARBOR DR, HOLMES BEACH, FL 34217-1917
Document Number	0041006295
Instrument Date	Jan 8, 2020
Instrument	41006295
Transaction Type	Transfer
Record Updated	Feb 17, 2020
Title Company	TITLE AGENCY/FLORIDA INC, TITLE AGCY/FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,108.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8960 HANDEL LOOP LAND O LAKES FL 346375823, LAND O LAKES, FL 34637-5823

Mortgage

Document Number	41006296
Date	Jan 21, 2020
Instrument	41006296

Lender

Name	REAL EST MTG NTWK
Type	Mortgage Company
Address	194 WOOD AVE S # 9TH, ISELIN, NJ 08830-2710

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 20, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 221 Harbor Dr was $33,304, up 0.6% from the year before.

Source: Manatee County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Manatee County
Municipality	Holmes Beach City
Unified School District	Manatee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,413,406 (-0.8%) Land $803,250 Building $1,610,156	$2,413,406 (-0.8%) Land $803,250 Building $1,610,156
2025	$33,304.00 (+0.58%)	$2,432,985 Land $803,250 Building $1,629,735	$2,432,985 Land $803,250 Building $1,629,735
2024	$33,112.00 (+3.89%)
2023	$31,871.00 (+15.27%)	$2,551,576 (+18.73%) Land $714,000 Building $1,837,576	$2,551,576 (+18.73%) Land $714,000 Building $1,837,576
2022	$27,650.00	$2,149,038 Land $525,000 Building $1,624,038	$2,149,038 Land $525,000 Building $1,624,038

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 221 Harbor Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 2, 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 353 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	752 units insured incl. 399 condo units
Nearby Flood Claims	355 (2001–2025)
Claims Outside the SFHA	1 of 355
Most Recent Claim	Jan 2025 · tidal / storm surge
Claims by Event	Hurricane Milton, Oct 2024 · 25 claims Hurricane Helene, Sep 2024 · 293 claims Hurricane Idalia, Sep 2023 · 26 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

The area around 221 Harbor Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	MANATEE COUNTY UTILITIES DEPT serves 347,800 people · EPA ID FL6411132
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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