Manatee County property record for 2638 28th Ave E, Palmetto, FL 34221
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,767 sqft · built 2006 |
| Lot Size | 0.127 acres (5,530 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $227,000 (Feb 2020) |
| Tax Bill | $4,135 (2024) |
| Deeds & Mortgages | Feb 2020 Sale & Mortgage Apr 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 7741-0105-9 |
| Primary APN | 7741-0105-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,767 sqft Living Area |
| Gross Area | 2,343 sqft |
| 1st Floor Area | 1,767 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,530 sqft (0.127 acres) |
| Lot Width | 50.9 ft Width |
| View / Lot | Standard |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 156 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Old Parcel Number | 0774101059 |
|---|---|
| Street Address | 2638 28TH AVE E |
| City | PALMETTO |
| State | FL |
| Zip | 34221-1238 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-R |
| Legal Description | LOT 59 OAK VIEW PHASE I PI#7741.0105/9 |
| Legal Range | 18E |
| Legal Township | 34S |
| Legal Section | 07 |
| Legal Subdivision | OAK VIEW PHASE I |
| Legal Tract | 00774100 |
| Legal Lot Number | 59 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | BRADENTON |
| Census Block Group | 4 |
| Census Block | 4018 |
| Census Tract | 1904 |
2638 28th Ave E is owned and occupied by two individuals who bought it in February 2020.
Source: Manatee County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2638 28TH AVE E, PALMETTO, FL 34221-1238 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 25, 2020 | Warranty Deed, Transfer · FHA Mortgage CENTERSTATE BK NA |
| Apr 1, 2018 | Loan Modification, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 25, 2020 · Amount on File |
| Deed Sale | Feb 25, 2020 · Amount on File |
| Prior Sale | Feb 7, 2006 · Amount on File |
| Deed Document Number | 202020706 |
| Prior Transfer Date | Jun 4, 2014 |
| Prior Transfer Doc | 0025235161 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Feb 25, 2020 |
| Property Address | 2638 28TH AVE E, PALMETTO, FL 34221-1238 |
| Document Number | 0041020706 |
| Instrument Date | Feb 24, 2020 |
| Instrument | 41020706 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,589.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 955 53RD ST E #827 BRADENTON FL 342085898, 827, BRADENTON, FL 34208-5898 |
| Document Number | 41020708 |
|---|---|
| Date | Feb 25, 2020 |
| Instrument | 41020708 |
| Name | CENTERSTATE BK NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33881 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 24, 2050 |
| Document Number | 41020710, |
|---|---|
| Date | Feb 25, 2020 |
| Instrument | 41020710 |
| Name | HOUSING FIN AUTH |
|---|---|
| Address | 435 12TH ST W # 117, BRADENTON, FL 34205-7820 |
| Amount | Amount on Record |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 2638 28TH AVE E, PALMETTO, FL 34221-1238 |
| Document Number | 0027267743 |
| Instrument Date | Apr 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2018 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 20971 BRADENTON FL 342040971, BRADENTON, FL 34204-0971 |
| Document Number | 0027267743 |
|---|---|
| Date | May 7, 2018 |
| Book Page | 002726/007743 |
| Instrument | 41045997 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | OKLAHOMA CITY, OK 73134 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 6, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
Source: Manatee County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Manatee County |
| Unified School District | Manatee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $302,559 (-0.04%) Land $42,500 Building $260,059 | $302,559 (-0.99%) Land $42,500 Building $260,059 | |
| 2025 | $302,671 | $305,582 Land $42,500 Building $263,082 | |
| 2024 | $4,135.00 (+7.12%) | ||
| 2023 | $3,860.00 (+11.4%) | $281,727 (+15.66%) Land $42,500 Building $239,227 | $281,727 (+15.66%) Land $42,500 Building $239,227 |
| 2022 | $3,465.00 | $243,574 Land $37,500 Building $206,074 | $243,574 Land $37,500 Building $206,074 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2638 28th Ave E in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 22 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
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 risk around 2638 28th Ave E is moderate, ranking above 40% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond 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 137 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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