3104 85th St E, Palmetto, FL 34221 Property Records

Manatee County property record for 3104 85th St E, Palmetto, FL 34221

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,618 sqft · built 1974
Lot Size	1.23 acres (54,014 sqft)
Owner	Individual Name on Record
Last Sale	$395,000 (Oct 2021)
Tax Bill	$5,637 (2024)
Deeds & Mortgages	May 2022 Line of Credit Oct 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`6399-0000-0`

Property Details

APN / Parcel Number

Primary APN	`6399-0000-0`
Alternative APNs	`331819639900000` `0639900000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,618 sqft Living Area
Gross Area	1,718 sqft
1st Floor Area	1,618 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	54,014 sqft
Garage Area	864 sqft

Exterior Amenities

Pool Area	480 sqft
Porch	Open Porch
Porch Area	232 sqft
Patio Area	612 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	0639900000
Street Address	3104 85TH ST E
City	PALMETTO
State	FL
Zip	34221-9233
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1 SUBURB
Legal Description	BEG 22 YDS W OF SE COR OF NE1/4 OF SE1/4, TH W 88 YDS, TH N 110 YDS, TH E 88 YDS, TH S 110 YDS, LESS THE W 100 FT PI#6399.0000/0
Legal Range	18E
Legal Township	33S
Legal Section	19
Jurisdiction	MANATEE FL
Township / Civil Division	PALMETTO
Census Block Group	2
Census Block	2000
Census Tract	1602

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	3104 85TH ST E, PALMETTO, FL 34221-9233
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 12, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Feb 3, 2020	Deed of Trust, Mortgage SUNCOAST CU
Sep 28, 2018	Loan Modification, Mortgage · Line of Credit SUNTRUST BK
Jan 12, 2018	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2021 · Amount on Record
Deed Sale	Oct 12, 2021 · Amount on Record
Prior Sale	Mar 20, 1998 · Amount on Record
Deed Document Number	2021135627
Prior Transfer Date	Mar 2, 1998
Prior Transfer Doc	1547007376
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	3104 85TH ST E, PALMETTO, FL 34221-9233
Transaction Type	Mortgage
Record Updated	Jun 9, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3104 85TH ST E, PALMETTO, FL 34221-9233

Mortgage

Document Number	0041066273
Date	May 18, 2022
Instrument	202241066273

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Oct 12, 2021
Property Address	3104 85TH ST E, PALMETTO, FL 34221-9233
Document Number	202141135627
Instrument Date	Oct 12, 2021
Instrument	202141135627
Transaction Type	Transfer
Record Updated	Oct 25, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$2,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6505 US 301 N LOT #88, 6505, PALMETTO, FL 34221

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3104 85TH ST E, PALMETTO, FL 34221-9233

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	3104 85TH ST E, PALMETTO, FL 34221-9233
Document Number	0041014043
Instrument Date	Feb 3, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2020
Title Company	BARNES WALKER TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3104 85TH ST E PALMETTO FL 342219233, PALMETTO, FL 34221-9233

Mortgage

Document Number	0041014043
Date	Feb 10, 2020
Instrument	41014043

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33610

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Feb 9, 2030

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MANATEE FL
Property Address	3104 85TH ST E, PALMETTO, FL 34221-9233
Document Number	0027513477
Instrument Date	Sep 28, 2018
Transaction Type	Mortgage
Record Updated	Oct 26, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3104 85TH ST E PALMETTO FL 342219233, PALMETTO, FL 34221-9233

Mortgage

Document Number	0027513477
Date	Oct 10, 2018
Book Page	002751/003477
Instrument	41102861

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 9, 2048

Interest

Rate Type	Adjustable Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	3104 85TH ST E, PALMETTO, FL 34221-9233
Document Number	0027111995
Instrument Date	Jan 12, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3104 85TH ST E PALMETTO FL 342219233, PALMETTO, FL 34221-9233

Mortgage

Document Number	0027111995
Date	Jan 25, 2018
Book Page	002711/001995
Instrument	41007730

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2048

Interest

Rate Type	Adjustable Rate

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		$394,159 (-1.05%) Land $85,680 Building $308,479	$394,159 (-1.05%) Land $85,680 Building $308,479
2025		$398,332 (-2.05%) Land $85,680 Building $312,652	$398,332 (-2.05%) Land $85,680 Building $312,652
2024	$5,637.00 (+2.21%)
2023	$5,515.00 (+14.4%)	$406,662 (+22.36%) Land $85,680 Building $320,982	$406,662 (+22.36%) Land $85,680 Building $320,982
2022	$4,821.00	$332,352 Land $39,200 Building $293,152	$332,352 Land $39,200 Building $293,152

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 AE, within 500 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 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 357 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, Hotwire Communications.

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