Manatee County property record for 3405 54th St E, Palmetto, FL 34221
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,305 sqft · built 2013 |
| Lot Size | 0.127 acres (5,550 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $340,500 (Jun 2023) |
| Tax Bill | $3,522 (2024) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7166-0610-9 |
| Primary APN | 7166-0610-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,305 sqft Living Area |
| Gross Area | 1,905 sqft |
| 1st Floor Area | 1,305 sqft |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,550 sqft (0.127 acres) |
| View / Lot | Standard |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Old Parcel Number | 0716606109 |
|---|---|
| Street Address | 3405 54TH ST E |
| City | PALMETTO |
| State | FL |
| Zip | 34221-6949 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-R |
| Legal Description | LOT 42 BLK 4 CYPRESS POND ESTATES PI#7166.0610/9 |
| Legal Range | 18E |
| Legal Township | 33S |
| Legal Section | 32 |
| Legal Subdivision | CYPRESS POND ESTATES |
| Legal Tract | 00716600 |
| Legal Block | 4 |
| Legal Lot Number | 42 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | PALMETTO |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 1604 |
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 | 3405 54TH ST E, PALMETTO, FL 34221-6949 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 1, 2023 | Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK |
| Jan 15, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 15, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2023 · Amount on Record |
| Deed Sale | Jun 1, 2023 · Amount on Record |
| Prior Sale | May 26, 2016 · Amount on Record |
| Deed Document Number | 202358254 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Jun 1, 2023 |
| Property Address | 3405 54TH ST E, PALMETTO, FL 34221-6949 |
| Document Number | 0041058254 |
| Map Reference | MB 53 PG 169 |
| Instrument Date | May 31, 2023 |
| Instrument | 202341058254 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2023 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,383.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 71 PINE GLEN RD, EMPORIUM, PA 15834-3459 |
| Name | Verified Name |
|---|---|
| Address | 3405 54TH ST E, PALMETTO, FL 34221-6949 |
| Document Number | 0041058255 |
|---|---|
| Date | Jun 1, 2023 |
| Instrument | 202341058255 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 3405 54TH ST E, PALMETTO, FL 34221-6949 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3405 54TH ST E, PALMETTO, FL 34221-6949 |
| Document Number | 202141005653 |
|---|---|
| Date | Jan 15, 2021 |
| Instrument | 202141005653 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 3405 54TH ST E, PALMETTO, FL 34221-6949 |
| Document Number | 0041041533 |
| Instrument Date | Apr 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3405 54TH ST E PALMETTO FL 342216949, PALMETTO, FL 34221-6949 |
| Document Number | 0041041533 |
|---|---|
| Date | Apr 22, 2020 |
| Instrument | 41041533 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 21, 2050 |
Source: Manatee County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Manatee County |
| Unified School District | Manatee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $277,996 (-0.94%) Land $35,700 Building $242,296 | $277,996 (-0.94%) Land $35,700 Building $242,296 | |
| 2025 | $280,629 (+62.06%) Land $35,700 Building $244,929 | $280,629 (-5.96%) Land $35,700 Building $244,929 | |
| 2024 | $3,522.00 (+69.57%) | ||
| 2023 | $2,077.00 (+3.28%) Homeowner's exemption | $173,168 (+3%) | $298,406 (+15.31%) Land $35,700 Building $262,706 |
| 2022 | $2,011.00 Homeowner's exemption | $168,124 | $258,777 Land $35,000 Building $223,777 |
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.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 25 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 34 units insured incl. 9 condo units |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 370 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 |
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