Manatee County property record for 3411 46th St E, Palmetto, FL 34221
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,173 sqft · built 2005 |
| Lot Size | 0.31 acres (13,495 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $335,000 (Apr 2019) |
| Tax Bill | $3,808 (2024) |
| Deeds & Mortgages | May 2018 Line of Credit Jun 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7475-0385-9 |
| Primary APN | 7475-0385-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,173 sqft Living Area |
| Gross Area | 2,873 sqft |
| 1st Floor Area | 2,173 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,495 sqft (0.31 acres) |
| View / Lot | Lake Front |
| Garage Type | Attached |
| Garage Area | 463 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 392 sqft |
| Porch | Screened Porch |
| Porch Area | 237 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Old Parcel Number | 0747503859 |
|---|---|
| Street Address | 3411 46TH ST E |
| City | PALMETTO |
| State | FL |
| Zip | 34221-4700 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-R |
| Legal Description | LOT 148 SUGAR MILL LAKES PHASE 1 PI#7475.0385/9 |
| Legal Range | 18E |
| Legal Township | 34S |
| Legal Section | 05 |
| Legal Subdivision | SUGAR MILL LAKES PHASE 1 |
| Legal Tract | 00747500 |
| Legal Lot Number | 148 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | PALMETTO |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 1501 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3411 46TH ST E, PALMETTO, FL 34221-4700 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 4, 2018 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Jun 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| May 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Apr 30, 2019 | Deed, Transfer · FHA Mortgage CITIZENS BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2019 · Amount on Record |
| Deed Sale | Apr 30, 2019 · Amount on Record |
| Prior Sale | Dec 1, 2004 · Amount on Record |
| Deed Document Number | 201941012 |
| Deed Book / Page | 2779 / 5442 |
| Prior Transfer Date | Feb 12, 2016 |
| Prior Transfer Doc | 0026077636 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 3411 46TH ST E, PALMETTO, FL 34221-4700 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0041045053 |
|---|---|
| Date | May 4, 2018 |
| Book Page | 2726/4547 |
| Instrument | 201841045053 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 16, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 3411 46TH ST E, PALMETTO, FL 34221-4700 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3411 46TH ST E, PALMETTO, FL 34221-4700 |
| Document Number | 0041073108 |
|---|---|
| Date | Jun 2, 2021 |
| Instrument | 202141073108 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 3411 46TH ST E, PALMETTO, FL 34221-4700 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3411 46TH ST E, PALMETTO, FL 34221-4700 |
| Document Number | 0041069078 |
|---|---|
| Date | May 24, 2021 |
| Instrument | 202141069078 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Apr 30, 2019 |
| Property Address | 3411 46TH ST E, PALMETTO, FL 34221-4700 |
| Document Number | 0041041012 |
| Book / Page | 2779 / 5442 |
| Map Reference | MB 44 PG 108-114 |
| Instrument Date | Apr 30, 2019 |
| Instrument | 201941041012 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Title Company | WEISS TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,345.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3411 46TH ST E, 3411, PALMETTO, FL 34221-4700 |
| Name | Verified Name |
|---|---|
| Address | 4841 14TH AVE E, BRADENTON, FL 34208-5880 |
| Document Number | 0041041013 |
|---|---|
| Date | Apr 30, 2019 |
| Instrument | 201941041013 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2049 |
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 | $321,948 (+2.7%) | $399,942 (-1.48%) Land $51,000 Building $348,942 | |
| 2025 | $313,484 (+5.99%) | $405,957 (-6.97%) Land $51,000 Building $354,957 | |
| 2024 | $3,808.00 (+1.33%) | ||
| 2023 | $3,758.00 (+2.76%) Homeowner's exemption | $295,776 (+3%) | $436,387 (+15.7%) Land $51,000 Building $385,387 |
| 2022 | $3,657.00 Homeowner's exemption | $287,161 | $377,159 Land $50,000 Building $327,159 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 25 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 25 in force |
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 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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 229 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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