248 45th St W, Bradenton, FL 34209 Property Records

Manatee County property record for 248 45th St W, Bradenton, FL 34209

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,783 sqft · built 1952
Lot Size	0.326 acres (14,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (May 2023)
Tax Bill	$4,602 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36177-0000-4`

Property Details

APN / Parcel Number

Primary APN	`36177-0000-4`
Alternative APN	`3417283617700004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,783 sqft Living Area
Gross Area	2,954 sqft
1st Floor Area	1,783 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1984
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,200 sqft (0.326 acres)
Lot Dimensions	142 ft deep x 100 ft wide
View / Lot	Standard
Garage Type	Attached
Garage Area	459 sqft
Parking Spaces	2 Parking Spaces
Pool Area	300 sqft
Porch	Screened Porch
Porch Area	712 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	248 45TH ST W
City	BRADENTON
State	FL
Zip	34209-2966
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-4.5 RE
Legal Description	S1/2 OF LOT 80, LOT 81 & N1/2 OF LOT 82 ALANDALE PI#36177.0000/4
Legal Range	17E
Legal Township	34S
Legal Section	28
Legal Subdivision	ALANDALE
Legal Tract	03613600
Legal Lot Number	80
Jurisdiction	MANATEE FL
Township / Civil Division	BRADENTON
Census Block Group	1
Census Block	1006
Census Tract	1202

Owner

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	248 45TH ST W, BRADENTON, FL 34209-2966
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2023	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Sep 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage R P FNDG INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2023 · Amount on Record
Deed Sale	May 17, 2023 · Amount on Record
Deed Document Number	202352450
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	May 17, 2023
Property Address	248 45TH ST W, BRADENTON, FL 34209-2966
Document Number	0041052450
Map Reference	MB 4 PG 85
Instrument Date	May 17, 2023
Instrument	202341052450
Transaction Type	Transfer
Record Updated	Jun 16, 2023
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	116 CHASER ST, JOHNSTOWN, PA 15909-4222

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 28TH ST W, BRADENTON, FL 34205-4208

Mortgage

Document Number	0041052451
Date	May 17, 2023
Instrument	202341052451

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	248 45TH ST W, BRADENTON, FL 34209-2966
Document Number	0041115403
Instrument Date	Sep 24, 2020
Transaction Type	Mortgage
Record Updated	Nov 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	248 45TH ST W BRADENTON FL 342092966, BRADENTON, FL 34209-2966

Mortgage

Document Number	0041115403
Date	Oct 23, 2020
Instrument	41115403

Lender

Name	R P FNDG INC
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Manatee County
Unified School District	Manatee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$304,818 (+2.7%)	$314,417 (-5.25%) Land $66,300 Building $248,117
2025	$4,602.00 (-12.04%)	$296,804 (+130.92%)	$331,850 (+19.22%) Land $66,300 Building $265,550
2024	$5,232.00 (+205.96%)
2023	$1,710.00 (+3.51%) Homeowner's exemption	$128,531 (+3%)	$278,340 (+27.65%) Land $66,300 Building $212,040
2022	$1,652.00 Homeowner's exemption	$124,787	$218,056 Land $65,000 Building $153,056

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 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 60 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	66 units insured incl. 6 condo units
Nearby Flood Claims	22 (1982–2024)
Claims Outside the SFHA	11 of 22
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 5 claims Hurricane Helene, Sep 2024 · 2 claims Severe Storms, High Winds, Tornadoes, And Flooding, Jan 1998 · 4 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 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	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 407 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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