312 Elder St, Englewood, FL 34223 Property Records

Sarasota County property record for 312 Elder St, Englewood, FL 34223

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,383 sqft · built 1985
Lot Size	0.092 acres (4,000 sqft)
Owner	2 Company Names on Record
Last Sale	$318,800 (Sep 2022)
Tax Bill	$1,767 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Sep 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`0851-03-1226`

Property Details

APN / Parcel Number

Primary APN	`0851-03-1226`
Alternative APN	`851031226`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,383 sqft Living Area
Gross Area	1,809 sqft
1st Floor Area	1,383 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2010
Architectural Style	Duplex Single
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,000 sqft (0.092 acres)
View / Lot	Mainland
Garage Type	Attached
Garage Area	426 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	140 sqft
Deck Area	102 sqft
Patio Area	102 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0851031226
Street Address	312 ELDER ST
City	ENGLEWOOD
State	FL
Zip	34223-6190
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RSF3
Legal Description	UNIT 226 FOXWOOD
Legal Range	20E
Legal Township	40S
Legal Section	30
Legal Subdivision	FOXWOOD
Legal Tract	7795
Legal Lot Number	226
Legal Unit	226
Jurisdiction	SARASOTA FL
Township / Civil Division	ENGLEWOOD
Census Block Group	2
Census Block	2010
Census Tract	2604

Owner

Source: Sarasota County records, as of June 30, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	312 ELDER ST, ENGLEWOOD, FL 34223-6190
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Deed of Trust, Mortgage · Line of Credit LIBERTY SAVINGS BANK FSB
Sep 12, 2022	Warranty Deed, Transfer ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2022 · Amount on Record
Deed Sale	Sep 12, 2022 · Amount on Record
Prior Sale	Sep 27, 2010 · Amount on Record
Deed Document Number	2022148338
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARASOTA FL
Property Address	312 ELDER ST, ENGLEWOOD, FL 34223-6190
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 ELDER ST, ENGLEWOOD, FL 34223-6190

Mortgage

Document Number	0000000245
Date	Jan 5, 2026
Instrument	2026000245

Lender

Name	LIBERTY SAVINGS BANK FSB
Type	Bank
Address	WILMINGTON, OH 45177

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 10, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARASOTA FL
Recording Date	Sep 12, 2022
Property Address	312 ELDER ST, ENGLEWOOD, FL 34223-6190
Document Number	0000148338
Map Reference	MB 1665 PG 467
Instrument Date	Sep 12, 2022
Instrument	2022148338
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$2,231.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14090 BRENTON REEF WAY, 14090, FORT MYERS, FL 33919-7365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	312 ELDER ST, ENGLEWOOD, FL 34223-6190

Tax Assessment & Valuation

Source: Sarasota County assessment roll, as of December 10, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Sarasota County
Unified School District	Sarasota County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,767.00 (+37.94%) Homeowner's exemption	$134,425 (+31.07%)	$226,200 (-2.16%) Building $226,200
2023	$1,281.00 (-8.7%) Homeowner's exemption	$102,560 (-9.28%)	$231,200 (+23.7%) Building $231,200
2022	$1,403.00	$113,047	$186,900 Building $186,900

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 3, 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 96 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	96 in force
Nearby Flood Claims	56 (1992–2022)
Claims Outside the SFHA	21 of 56
Most Recent Claim	Dec 2022 · Seminole Tribe Of Florida Tropical Storm Nicole
Claims by Event	Hurricane Ian, Sep 2022 · 13 claims Hurricane Ian, Sep 2022 · 12 claims Severe Storms And Flooding, Jun 2003 · 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	High above 86% of the US · above 78% of Florida
Wildfire Likelihood	0.7% 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	ENGLEWOOD WATER DIST public/private · serves 38,265 people · EPA ID FL6580531
Water Source	Groundwater
Lead	6 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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