2809 40th St W, Bradenton, FL 34205 Property Records

Manatee County property record for 2809 40th St W, Bradenton, FL 34205

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,748 sqft · built 1977
Lot Size	0.202 acres (8,799 sqft)
Owner	Individual Name on File
Last Sale	$148,000 (Aug 2015)
Tax Bill	$2,128 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`50797-0745-0`

Property Details

APN / Parcel Number

Primary APN	`50797-0745-0`
Alternative APN	`3517045079707450`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,748 sqft Living Area
Gross Area	1,820 sqft
1st Floor Area	1,748 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,799 sqft (0.202 acres)
View / Lot	Standard

Exterior Amenities

Pool Area	450 sqft
Porch	Screened Porch
Porch Area	72 sqft
Patio Area	533 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	2809 40TH ST W
City	BRADENTON
State	FL
Zip	34205-1226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BR_R-1
Legal Description	LOT 9 BLK F SANDPOINTE SUB 2ND ADD PI#50797.0745/0
Legal Range	17E
Legal Township	35S
Legal Section	04
Legal Subdivision	SANDPOINTE 2ND ADDITION
Legal Tract	05079704
Legal Block	F
Legal Lot Number	9
Jurisdiction	MANATEE FL
Township / Civil Division	BRADENTON
Census Block Group	2
Census Block	2024
Census Tract	503

Owner

2809 40th St W is owned and occupied by an individual who bought it in August 2015.

Source: Manatee County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	2809 40TH ST W, BRADENTON, FL 34205-1226
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2023	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU
Apr 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2015 · Amount on File
Deed Sale	Aug 10, 2015 · Amount on File
Prior Sale	Oct 1, 2010 · Amount on File
Deed Document Number	20153418967
Deed Book / Page	2581 / 7780
Prior Transfer Date	May 7, 2010
Prior Transfer Doc	0023403762
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	2809 40TH ST W, BRADENTON, FL 34205-1226
Transaction Type	Mortgage
Record Updated	May 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2809 40TH ST W, BRADENTON, FL 34205-1226

Mortgage

Document Number	0041036712
Date	Apr 10, 2023
Instrument	202341036712

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jul 1, 2026
Change Frequency	3 Years
Min Rate At Change	2.5%
Max Rate At Change	9.37%
Index	3-Year TN
Max Rate	9.37%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	2809 40TH ST W, BRADENTON, FL 34205-1226
Document Number	0027261222
Instrument Date	Apr 24, 2018
Transaction Type	Mortgage
Record Updated	May 23, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2809 40TH ST W BRADENTON FL 342051226, BRADENTON, FL 34205-1226

Mortgage

Document Number	0027261222
Date	May 2, 2018
Book Page	002726/001222
Instrument	41044078

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2809 40th St W was $2,128 with a homeowner's exemption, up 3.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
Municipality	Bradenton City
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		$161,782 (+2.7%)	$263,402 (-) Land $84,150 Building $179,252
2025	$2,128.00 (+3.25%) Homeowner's exemption	$157,529	$263,402 Land $84,150 Building $179,252
2024	$2,061.00 (+1.98%)
2023	$2,021.00 (+3.16%) Homeowner's exemption	$148,630 (+3%)	$272,104 (+15.99%) Land $84,150 Building $187,954
2022	$1,959.00 Homeowner's exemption	$144,301	$234,599 Land $75,000 Building $159,599

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

Flood

FEMA maps place 2809 40th St W in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1997.

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 File median of 23 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	2 (1997–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2017 · other causes

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 2809 40th St W 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	CITY OF BRADENTON serves 58,584 people · EPA ID FL6410182
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 483 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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