309 10th Ave E, Palmetto, FL 34221 Property Records

Manatee County property record for 309 10th Ave E, Palmetto, FL 34221

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,689 sqft · built 2002
Lot Size	0.138 acres (6,003 sqft)
Owner	Individual Name on Record
Last Sale	$660,000 (Nov 2023)
Tax Bill	$10,912 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`25817-0192-9`

Property Details

APN / Parcel Number

Primary APN	`25817-0192-9`
Alternative APNs	`3417132581701929` `2581701919`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,689 sqft Living Area
Gross Area	2,304 sqft
1st Floor Area	1,689 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	6,003 sqft (0.138 acres)
View / Lot	Lake Front
Garage Type	Attached
Garage Area	447 sqft
Parking Spaces	2 Parking Spaces
Pool Area	175 sqft
Porch	Screened Porch
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	309 10TH AVE E
City	PALMETTO
State	FL
Zip	34221-4258
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PL_PD-MU
Legal Description	LOT 28 NORTHSHORE AT RIVIERA DUNES PHASE 1-A TOGETHER WITH THE RIGHT TO USE BOAT SLIP 30 NORTHSHORE NEIGHBORHOOD MARINA PI#25817.0192/9
Legal Range	17E
Legal Township	34S
Legal Section	13
Legal Subdivision	NORTHSHORE AT RIVIERA DUNES PHASE 1-A
Legal Lot Number	28
Jurisdiction	MANATEE FL
Township / Civil Division	PALMETTO
Census Block Group	4
Census Block	4008
Census Tract	1502

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	Individual Name on Record
Mailing Address	309 10TH AVE E, PALMETTO, FL 34221-4258
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2023	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK OF INDIANA
May 21, 2020	Warranty Deed, Transfer · Conventional with PMI EQUITY RSRCS
Mar 3, 2017	Warranty Deed, Transfer BARNES WALKER TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2023 · Amount on Record
Deed Sale	Nov 20, 2023 · Amount on Record
Prior Sale	May 21, 2020 · Amount on Record
Deed Document Number	2023123825
Last Transfer Date	Apr 14, 2025
Transfer Doc	0000047175
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Nov 20, 2023
Property Address	309 10TH AVE E, PALMETTO, FL 34221-4258
Document Number	0041123825
Map Reference	MB 35 PG 19
Instrument Date	Nov 17, 2023
Instrument	202341123825
Transaction Type	Transfer
Record Updated	Dec 25, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,620.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	309 10TH AVE E, PALMETTO, FL 34221-4258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 L ST, LAKE LOTAWANA, MO 64086-9440

Mortgage

Document Number	0041123826
Date	Nov 20, 2023
Instrument	202341123826

Lender

Name	MERCHANTS BANK OF INDIANA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Dec 1, 2026
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	9.25%
Max Rate	12.2%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	May 21, 2020
Property Address	309 10TH AVE E, PALMETTO, FL 34221-4258
Document Number	0041051519
Instrument Date	May 20, 2020
Instrument	41051519
Transaction Type	Transfer
Record Updated	Jun 2, 2020
Title Company	BARNES WALKER TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,019.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 10TH AVE E PALMETTO FL 342214258, PALMETTO, FL 34221-4258

Mortgage

Document Number	41051520
Date	May 21, 2020
Instrument	41051520

Lender

Name	EQUITY RSRCS
Type	Funding / Finance Company
Address	NEWARK, OH 43055

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Mar 3, 2017
Property Address	309 10TH AVE E, PALMETTO, FL 34221-4258
Document Number	0026627967
Book / Page	002662 / 007967
Instrument Date	Feb 28, 2017
Instrument	41019667
Transaction Type	Transfer
Record Updated	May 19, 2017
Title Company	BARNES WALKER TITLE INC

Transaction

Amount	Amount Recorded
Tax	$2,740.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	818 NANCY GAMBLE LN ELLENTON FL 342222836, ELLENTON, FL 34222-2836

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$553,285 (-0.41%) Land $76,500 Building $476,785	$553,285 (-0.41%) Land $76,500 Building $476,785
2025	$10,912.00 (+1.44%)	$555,545 (+102.18%) Land $76,500 Building $479,045	$555,545 (-5.56%) Land $76,500 Building $479,045
2024	$10,757.00 (+130.15%)
2023	$4,674.00 (+3.04%) Homeowner's exemption	$274,778 (+3%)	$588,276 (+5.23%) Land $76,500 Building $511,776
2022	$4,536.00 Homeowner's exemption	$266,775	$559,054 Land $75,000 Building $484,054

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 177 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	469 units insured incl. 292 condo units
Nearby Flood Claims	3 (2024)
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 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	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 PALMETTO WATER DEPT. serves 13,446 people · EPA ID FL6410322
Water Source	Purchased surface water from MANATEE COUNTY UTILITIES DEPT
Last State Inspection	Jun 2023
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	E. coli not recorded as resolved · Oct 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	18 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 486 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Frontier, Verizon.

Nearby Properties on 10th Ave E

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures