2820 95th St E, Palmetto, FL 34221 Property Records

Manatee County property record for 2820 95th St E, Palmetto, FL 34221

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,001 sqft · built 2005
Lot Size	0.292 acres (12,709 sqft)
Owner	2 Individual Names on Record
Last Sale	$95,600 (Mar 2023)
Tax Bill	$4,420 (2024)
Deeds & Mortgages	Aug 2026 Mortgage Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6295-0140-9`

Property Details

APN / Parcel Number

Primary APN	`6295-0140-9`
Alternative APNs	`331819629501409` `0629501409`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,001 sqft Living Area
Gross Area	2,892 sqft
1st Floor Area	2,001 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,709 sqft (0.292 acres)
View / Lot	Preserve
Garage Type	Attached
Garage Area	486 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	405 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	0629501409
Street Address	2820 95TH ST E
City	PALMETTO
State	FL
Zip	34221-1715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-R
Legal Description	LOT 11 BLK B NORTH OAKS ESTATES PI#6295.0140/9
Legal Range	18E
Legal Township	33S
Legal Section	19
Legal Subdivision	NORTH OAKS ESTATES
Legal Tract	00629500
Legal Block	B
Legal Lot Number	11
Jurisdiction	MANATEE FL
Township / Civil Division	PALMETTO
Census Block Group	2
Census Block	2001
Census Tract	1602

Owner

Source: Manatee County records, as of September 14, 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	2820 95TH ST E, PALMETTO, FL 34221-1715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN UNITED MORTGAGE CORPORATION
Mar 24, 2023	Quit Claim Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
May 20, 2021	Warranty Deed, Transfer · FHA Mortgage LEGEND LENDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2023 · Amount on Record
Deed Sale	Mar 24, 2023 · Amount on Record
Prior Sale	May 20, 2021 · Amount on Record
Deed Document Number	202330156
Prior Transfer Date	Feb 17, 2023
Prior Transfer Doc	0000030156
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Recording Date	Aug 24, 2026
Property Address	2820 95TH ST E, PALMETTO, FL 34221-1715
Document Number	0000097878
Instrument Date	Jun 23, 2026
Instrument	202697878
Transaction Type	Mortgage
Record Updated	Sep 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2820 95TH ST E, PALMETTO, FL 34221-1715

Mortgage

Document Number	0000097878,
Date	Aug 24, 2026
Instrument	202697878

Lender

Name	AMERICAN UNITED MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANATEE FL
Recording Date	Mar 24, 2023
Property Address	2820 95TH ST E, PALMETTO, FL 34221-1715
Document Number	0041030156
Map Reference	MB 43 PG 137
Instrument Date	Feb 17, 2023
Instrument	202341030156
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$669.20
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2820 95TH ST E, PALMETTO, FL 34221-1715

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2820 95TH ST E, PALMETTO, FL 34221-1715

Mortgage

Document Number	0041030157
Date	Mar 24, 2023
Instrument	202341030157

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	May 20, 2021
Property Address	2820 95TH ST E, PALMETTO, FL 34221-1715
Document Number	0041067470
Map Reference	MB 43 PG 137-143
Instrument Date	May 17, 2021
Instrument	202141067470
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,099.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4809 BOSTON COMMON GLN, BRADENTON, FL 34211-8492

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2820 95TH ST E, PALMETTO, FL 34221-1715

Mortgage

Document Number	0041067471
Date	May 20, 2021
Instrument	202141067471

Lender

Name	LEGEND LENDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

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		$365,807 (+1.45%) Land $45,900 Building $319,907	$365,807 (-1.02%) Land $45,900 Building $319,907
2025		$360,592 (+5.99%)	$369,571 (-2%) Land $45,900 Building $323,671
2024	$4,420.00 (+1.21%)
2023	$4,367.00 (+2.66%) Homeowner's exemption	$340,223 (+3%)	$377,098 (+14.16%) Land $45,900 Building $331,198
2022	$4,254.00 Homeowner's exemption	$330,314 Land $45,000 Building $285,314	$330,314 Land $45,000 Building $285,314

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

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	2 (2001)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2001 · Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle
Claims by Event	Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle, Sep 2001 · 2 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	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 300 locations within half a mile, as of December 31, 2025

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

May also be available: Frontier.

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