Manatee County property record for 228 85th St, Holmes Beach, FL 34217
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,529 sqft · built 1971 |
| Lot Size | 0.207 acres (9,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,010,000 (Apr 2024) |
| Tax Bill | $14,366 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Apr 2024 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 69415-0000-8 |
| Primary APN | 69415-0000-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,529 sqft Living Area |
| Gross Area | 2,195 sqft |
| 1st Floor Area | 1,529 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,000 sqft (0.207 acres) |
| Lot Dimensions | 100 ft deep x 90 ft wide |
| View / Lot | Island |
| Garage Type | Attached |
| Garage Area | 378 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Screened Porch |
| Porch Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 228 85TH ST |
|---|---|
| City | HOLMES BEACH |
| State | FL |
| Zip | 34217-1024 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HB_R-1 |
| Legal Description | LOT 11 BLK 10 HOLMES BEACH THIRTY THIRD UNIT PI#69415.0000/8 |
| Legal Range | 16E |
| Legal Township | 34S |
| Legal Section | 17 |
| Legal Subdivision | HOLMES BEACH 33RD UNIT |
| Legal Tract | 06936100 |
| Legal Block | 10 |
| Legal Lot Number | 11 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | BRADENTON |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 1801 |
Source: Manatee County records, as of July 23, 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 | 228 85TH ST, HOLMES BEACH, FL 34217-1024 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CIVISTA BANK |
| Apr 22, 2024 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 12, 2024 | Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 21, 2022 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 12, 2024 · Amount on Record |
| Deed Sale | Apr 12, 2024 · Amount on Record |
| Prior Sale | Jul 28, 1999 · Amount on Record |
| Deed Document Number | 202437271 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 228 85TH ST, HOLMES BEACH, FL 34217-1024 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Title Company | DAMES WALKER TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 228 85TH ST, HOLMES BEACH, FL 34217-1024 |
| Document Number | 0041027585 |
|---|---|
| Date | Mar 11, 2026 |
| Instrument | 202641027585 |
| Name | CIVISTA BANK |
|---|---|
| Type | Bank |
| Address | SANDUSKY, OH 44870 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 228 85TH ST, HOLMES BEACH, FL 34217-1024 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2024 |
| Name | Verified Name |
|---|---|
| Address | 519 WASHINGTON AVE, HURON, OH 44839-1951 |
| Document Number | 0041040950 |
|---|---|
| Date | Apr 22, 2024 |
| Instrument | 202441040950 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | 3043 TOWNSGATE RD # 200, WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Apr 12, 2024 |
| Property Address | 228 85TH ST, HOLMES BEACH, FL 34217-1024 |
| Document Number | 0041037271 |
| Map Reference | MB 8 PG 108 |
| Instrument Date | Apr 11, 2024 |
| Instrument | 202441037271 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2024 |
| Title Company | BARNES WALKER TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,070.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 358 SLIDING ROCK DR, PENDLETON, SC 29670-1866 |
| Name | Verified Name |
|---|---|
| Address | 519 WASHINGTON AVE, HURON, OH 44839-1951 |
| Document Number | 0041037272 |
|---|---|
| Date | Apr 12, 2024 |
| Instrument | 202441037272 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Number | 0041037272 |
|---|---|
| Date | Apr 12, 2024 |
| Instrument | 202441037272 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | 3043 TOWNSGATE RD # 200, WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Jul 21, 2022 |
| Property Address | 228 85TH ST, HOLMES BEACH, FL 34217-1024 |
| Document Number | 0041094369 |
| Map Reference | MB 8 PG 108 |
| Instrument Date | Jul 1, 2022 |
| Instrument | 202241094369 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 228 85TH ST, HOLMES BEACH, FL 34217-1024 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 228 85TH ST, HOLMES BEACH, FL 34217-1024 |
Source: Manatee County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Manatee County |
| Municipality | Holmes Beach City |
| Unified School District | Manatee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $996,341 (+2.7%) | $1,108,263 (+14.24%) Land $654,500 Building $453,763 | |
| 2025 | $14,366.00 (+190.87%) | $970,147 (+194.94%) Land $654,500 Building $315,647 | $970,147 (-12.59%) Land $654,500 Building $315,647 |
| 2024 | $4,939.00 (+1.21%) Homeowner's exemption | $328,927 (+3%) | $1,109,851 (-1.14%) Land $654,500 Building $455,351 |
| 2023 | $4,880.00 (+2.41%) Homeowner's exemption | $319,347 (+3%) | $1,122,688 (+44.99%) Land $654,500 Building $468,188 |
| 2022 | $4,765.00 Homeowner's exemption | $310,046 | $774,344 Land $364,000 Building $410,344 |
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.
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 | 7.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 595 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 599 units insured incl. 4 condo units |
| Nearby Flood Claims | 581 (1999–2025) |
| Most Recent Claim | Aug 2025 · rainfall accumulation |
| 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 | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 453 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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