Sarasota County property record for 228 Windward Dr, Osprey, FL 34229
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,850 sqft · built 1981 |
| Lot Size | 0.304 acres (13,230 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,200,000 (May 2023) |
| Tax Bill | $8,987 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage May 2023 Sale & Mortgage + 1 more |
| APN | 0157-07-0007 |
| Primary APN | 0157-07-0007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,850 sqft Living Area |
| Gross Area | 3,312 sqft |
| 1st Floor Area | 2,850 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 13,230 sqft (0.304 acres) |
| Lot Width | 1 ft Width |
| View / Lot | Mainland |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Pool Area | 512 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 484 sqft |
| Patio Area | 1,124 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0157070007 |
|---|---|
| Street Address | 228 WINDWARD DR |
| City | OSPREY |
| State | FL |
| Zip | 34229-9752 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF2 |
| Legal Description | LOT 139 SOUTHBAY YACHT & RACQUET CLUB |
| Legal Range | 18E |
| Legal Township | 38S |
| Legal Section | 15 |
| Legal Subdivision | SOUTHBAY YACHT & RACQUET CLUB |
| Legal Tract | 1854 |
| Legal Lot Number | 139 |
| Jurisdiction | SARASOTA FL |
| Township / Civil Division | OSPREY-LAUREL-NOKOMIS |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 2102 |
Source: Sarasota County records · APN 0157-07-0007
Assessment roll updated December 10, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 228 WINDWARD DR, OSPREY, FL 34229-9752 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST MERCHANTS BANK |
| May 26, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED SAVINGS BANK |
| Aug 14, 2017 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN FEDERAL MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 26, 2023 · Amount on Record |
| Deed Sale | May 26, 2023 · Amount on Record |
| Prior Sale | Aug 14, 2017 · Amount on Record |
| Deed Document Number | 202385941 |
| Prior Transfer Date | Jun 09, 2000 |
| Prior Transfer Doc | 2000074508 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SARASOTA FL |
| Property Address | 228 WINDWARD DR, OSPREY, FL 34229-9752 |
| Transaction Type | Mortgage |
| Record Updated | Apr 08, 2026 |
| Name | Verified Name |
|---|---|
| Address | 228 WINDWARD DR, OSPREY, FL 34229-9752 |
| Document Number | 0000040691 |
|---|---|
| Date | Mar 30, 2026 |
| Instrument | 2026040691 |
| Name | FIRST MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | MUNCIE, IN 47305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 01, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SARASOTA FL |
| Recording Date | May 26, 2023 |
| Property Address | 228 WINDWARD DR, OSPREY, FL 34229-9752 |
| Document Number | 0000085941 |
| Map Reference | MB 22 PG 27 |
| Instrument Date | May 25, 2023 |
| Instrument | 2023085941 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Title Company | PREFERRED SETTLEMENT SERVICES, PREFERRED SETTLEMENT SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 228 WINDWARD DR, OSPREY, FL 34229-9752 |
| Name | Verified Name |
|---|---|
| Address | 228 WINDWARD DR, OSPREY, FL 34229-9752 |
| Document Number | 0000085942 |
|---|---|
| Date | May 26, 2023 |
| Instrument | 2023085942 |
| Name | UNITED SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Jun 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 7.87% |
| Index | 1-Year T-Bill |
| Max Rate | 11.8% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SARASOTA FL |
| Recording Date | Aug 14, 2017 |
| Property Address | 228 WINDWARD DR, OSPREY, FL 34229-9752 |
| Document Number | 0000102173 |
| Map Reference | MB22 PG27 |
| Instrument Date | Aug 11, 2017 |
| Instrument | 2017102173 |
| Transaction Type | Transfer |
| Record Updated | Jan 04, 2022 |
| Title Company | DEJARALAIS LAW & TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,080.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 228 WINDWARD DR, 228, OSPREY, FL 34229-9752 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3822 BLUE SPRINGS TRCE, EVANS, GA 30809-7246 |
| Document Number | 0000102175 |
|---|---|
| Date | Aug 14, 2017 |
| Instrument | 2017102175 |
| Name | AMERICAN FEDERAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2047 |
Source: Sarasota County records · Assessment roll updated December 10, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Sarasota County |
| Unified School District | Sarasota County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,987.00 (-10.96%) | $783,300 (+57.7%) Land $346,600 Building $436,700 | $783,300 (+2.89%) Land $346,600 Building $436,700 |
| 2024 | $10,093.00 (+2,089.37%) | ||
| 2023 | $461.00 (-2.95%) | $496,695 (+3%) | $761,300 (+5.53%) Land $317,300 Building $444,000 |
| 2022 | $475.00 Homeowner's exemption Veteran's exemption | $482,228 | $721,400 Land $302,600 Building $418,800 |
Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121150021022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on Record median of 148 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 148 in force |
| Nearby Flood Claims | 12 (2024) |
| Claims Outside the SFHA | 2 of 12 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 295 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL6581591, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SARASOTA CO SPECIAL UTIL DIST serves 272,267 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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