3422 85th St E, Palmetto, FL 34221 Property Records

Manatee County property record for 3422 85th St E, Palmetto, FL 34221

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,083 sqft · built 2020
Lot Size	2.01 acres (87,991 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,418 (2024)
Deeds & Mortgages	Apr 2021 Line of Credit Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6434-0045-9`

Property Details

APN / Parcel Number

Primary APN	`6434-0045-9`
Alternative APN	`331820643400459`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	2,083 sqft Living Area
Gross Area	2,431 sqft
1st Floor Area	2,083 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	87,991 sqft
Porch	Screened Porch
Patio Area	1,572 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3422 85TH ST E
City	PALMETTO
State	FL
Zip	34221-9235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1 SUBURB
Legal Description	THE E 200 FT OF THE FOLLOWING DESC PROPERTY: COM AT THE SW COR OF THE NW1/4 OF THE SW1/4 OF SEC 20, TWN 33S, RNG 18E; TH S 89 DEG 39 MIN 02 SEC E ALONG THE S LN OF SD NW1/4 OF
Legal Range	18E
Legal Township	33S
Legal Section	20
Jurisdiction	MANATEE FL
Township / Civil Division	PALMETTO
Census Block Group	2
Census Block	2000
Census Tract	1602

Owner

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	3422 85TH ST E, PALMETTO, FL 34221-9235
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Deed of Trust, Mortgage · Line of Credit AMERIS BANK
Nov 16, 2020	Deed of Trust, Mortgage AMERIS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	3422 85TH ST E, PALMETTO, FL 34221-9235
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3422 85TH ST E, PALMETTO, FL 34221-9235

Mortgage

Document Number	0041052599
Date	Apr 22, 2021
Instrument	202141052599

Lender

Name	AMERIS BANK
Type	Bank
Address	PALMETTO, FL 34221

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	3422 85TH ST E, PALMETTO, FL 34221-9235
Document Number	0041128003
Instrument Date	Nov 16, 2020
Transaction Type	Mortgage
Record Updated	Jan 20, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3422 85TH ST E PALMETTO FL 342219235, PALMETTO, FL 34221-9235

Mortgage

Document Number	0041128003
Date	Nov 20, 2020
Instrument	41128003

Lender

Name	AMERIS BK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2050

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		$368,262 (+2.7%)	$589,080 (-0.83%) Land $115,515 Building $473,565
2025		$358,580 (+5.99%)	$594,016 (-0.84%) Land $115,515 Building $478,501
2024	$4,418.00 (+1.24%)
2023	$4,364.00 (+2.68%) Homeowner's exemption	$338,324 (+3%)	$599,044 (+27.83%) Land $115,515 Building $483,529
2022	$4,250.00 Homeowner's exemption	$328,470	$468,618 Land $52,850 Building $415,768

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
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 21 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	2 (2001)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2001 · Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle
Claims by Event	Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle, Sep 2001 · 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	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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	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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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