316 20th St E, Palmetto, FL 34221 Property Records

Manatee County property record for 316 20th St E, Palmetto, FL 34221

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,225 sqft · built 1999
Lot Size	0.177 acres (7,695 sqft)
Owner	Individual Name on Record
Last Sale	$289,999 (Apr 2025)
Tax Bill	$1,116 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage Oct 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25550-0000-5`

Property Details

APN / Parcel Number

Primary APN	`25550-0000-5`
Alternative APN	`3417122555000005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,225 sqft Living Area
Gross Area	1,546 sqft
1st Floor Area	1,225 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2001
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,695 sqft (0.177 acres)
Lot Dimensions	81 ft deep x 95 ft wide
View / Lot	Standard
Garage Type	Attached
Garage Area	286 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	35 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	316 20TH ST E
City	PALMETTO
State	FL
Zip	34221-3315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-6
Legal Description	LOT 6, BLK 13, WILLIS PLAT NEW MEMPHIS; LESS ST R/W PI#25550 .0000/5
Legal Range	17E
Legal Township	34S
Legal Section	12
Legal Subdivision	R F WILLIS PLAT OF MEMPHIS
Legal Tract	02547200
Legal Block	13
Legal Lot Number	6
Jurisdiction	MANATEE FL
Township / Civil Division	PALMETTO
Census Block Group	1
Census Block	1009
Census Tract	1502

Owner

Source: Manatee County records, as of August 24, 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	Individual Name on Record
Mailing Address	316 20TH ST E, PALMETTO, FL 34221-3315
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2025	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Oct 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 23, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2025 · Amount on Record
Deed Sale	Apr 24, 2025 · Amount on Record
Prior Sale	Sep 30, 2011 · Amount on Record
Deed Document Number	202551512
Prior Transfer Date	Oct 16, 2006
Prior Transfer Doc	0021635995
Record Updated	Oct 29, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Apr 24, 2025
Property Address	316 20TH ST E, PALMETTO, FL 34221-3315
Document Number	0041051512
Map Reference	MB 1 PG 168
Instrument Date	Apr 23, 2025
Instrument	202541051512
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	MTI TITLE INS AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 20TH ST E, PALMETTO, FL 34221-3315

Mortgage

Document Number	0041051513
Date	Apr 24, 2025
Instrument	202541051513

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	316 20TH ST E, PALMETTO, FL 34221-3315
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041125709
Date	Oct 17, 2022
Instrument	202241125709

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	316 20TH ST E, PALMETTO, FL 34221-3315
Transaction Type	Mortgage
Record Updated	Aug 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202141103599
Date	Aug 4, 2021
Instrument	202141103599

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2036

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	316 20TH ST E, PALMETTO, FL 34221-3315
Document Number	0026636182
Book / Page	002663 / 006182
Instrument Date	Feb 23, 2017
Transaction Type	Mortgage
Record Updated	May 24, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	316 20TH ST E PALMETTO FL 342213315, PALMETTO, FL 34221-3315

Mortgage

Document Number	0026636182
Date	Mar 9, 2017
Book Page	002663/006182
Instrument	41021463

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 8, 2037

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		$202,178 (+100.75%) Land $45,900 Building $156,278	$202,178 (-) Land $45,900 Building $156,278
2025	$1,116.00 (+7%)	$100,711 (+5.99%)	$202,178 (-10.66%) Land $45,900 Building $156,278
2024	$1,043.00 (+2.56%)
2023	$1,017.00 (+4.63%) Homeowner's exemption	$95,022 (+3%)	$226,307 (+11.74%) Land $45,900 Building $180,407
2022	$972.00 Homeowner's exemption	$92,254	$202,522 Land $45,000 Building $157,522

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	9 (1982–2024)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Frances, Sep 2004 · 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	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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 365 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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