328 E Bay St, Osprey, FL 34229 Property Records

Sarasota County property record for 328 E Bay St, Osprey, FL 34229 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 1996
Square Footage	884 sqft Living Area
Lot Size	22,000 sqft (0.505 acres)
Occupancy	Owner Occupied
Last Sale	$430,000 (2026)
Tax Bill	$1,275.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`0147-01-0020`
Alternative APN	`147010020`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Total Rooms	4 Rooms
Building Area	884 sqft Living Area
Gross Area	1,382 sqft Gross Area
1st Floor	884 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1996
Exterior Material	Stucco Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Hip Roof Construction
Roof Material	Asphalt Roof
Lot Area	22,000 sqft (0.505 acres)
Lot Width	1 ft Width
Garage Type	Attached Garage
Garage Area	338 sqft Garage
Porch Area	220 sqft Porch
Utility Building	160 sqft Utility Building

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating
Sewage	Septic Sewage
Water Source	Commercial Water Source

Location & Zoning

Account Number	0147010020
Street Address	328 E BAY ST
City	OSPREY
State	FL
Zip	34229-9433
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	W 220 FT OF E 640 FT OF LOT 101 SARABAY ACRES OR 2965/2415
Legal Range	18E
Legal Township	38S
Legal Section	10
Legal Subdivision	SARABAY ACRES
Legal Tract	820
Legal Lot Number	101
Jurisdiction	SARASOTA FL
Minor Civil Division	OSPREY-LAUREL-NOKOMIS
Census Blockgroup	3
Census Block	3000
Census Tract	2102

Owner

Source: Sarasota County records · APN 0147-01-0020

Assessment roll updated December 10, 2025 · Last verified June 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 File
Mailing Address	328 E BAY ST, OSPREY, FL 34229-9433
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Single Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 20, 2026 · Amount on Record
Deed Sale	May 20, 2026 · Amount on Record
Prior Sale	Feb 04, 2025 · Amount on Record
Deed Doc Number	202668256
Prior Transfer Date	May 29, 2015
Prior Transfer Doc	0000069814
Record Refreshed	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARASOTA FL
Recording Date	May 20, 2026
Property Address	328 E BAY ST, OSPREY, FL 34229-9433
Document Number	0000068256
Instrument Date	May 19, 2026
Instrument	202668256
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	SIMPLIFILE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$304,010.00
Amount Accuracy	Calculated from Tax (Full/Partial Unknown)
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 E BAY ST, OSPREY, FL 34229-9433

Mortgage

Document Number	0000068257,
Date	May 20, 2026
Instrument	202668257

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate	-1%

Tax Assessment & Valuation

Source: Sarasota County records · Assessment roll updated December 10, 2025 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,275.00 (+4.59%)	$105,883 (+5.99%)	$198,300 (-37.84%) Land $152,500 Building $45,800
2024	$1,219.00 (+7.59%)
2023	$1,133.00 (+19.64%) Homeowner's exemption Widower's exemption	$99,902 (+22.06%)	$319,000 (+36.79%) Land $198,700 Building $120,300
2022	$947.00 Homeowner's exemption Widower's exemption	$81,847	$233,200 Land $144,500 Building $88,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Sarasota County (12115C), updated September 3, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Parcel location falls outside the county's mapped flood area
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.