Manatee County property record for 3425 97th Ln E, Palmetto, FL 34221
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,395 sqft · built 2010 |
| Lot Size | 0.158 acres (6,895 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $215,000 (Aug 2018) |
| Tax Bill | $2,467 (2024) |
| Deeds & Mortgages | Apr 2023 Second Mortgage Nov 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 6182-0440-9 |
| Primary APN | 6182-0440-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,395 sqft Living Area |
| Gross Area | 1,773 sqft |
| 1st Floor Area | 1,395 sqft |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,895 sqft (0.158 acres) |
| View / Lot | Standard |
| Garage Type | Attached |
| Garage Area | 358 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Screened Porch |
| Porch Area | 220 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Old Parcel Number | 0618204409 |
|---|---|
| Street Address | 3425 97TH LN E |
| City | PALMETTO |
| State | FL |
| Zip | 34221-8013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-R |
| Legal Description | LOT 78 GILLETTE GROVE SUBDIVISION PI#6182.0440/9 |
| Legal Range | 18E |
| Legal Township | 33S |
| Legal Section | 17 |
| Legal Subdivision | GILLETTE GROVE |
| Legal Tract | 00618200 |
| Legal Lot Number | 78 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | PALMETTO |
| Census Block Group | 1 |
| Census Block | 1055 |
| Census Tract | 1602 |
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 | 3425 97TH LN E, PALMETTO, FL 34221-8013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 12, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FLORIDA CENTRAL CU |
| Nov 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 2, 2024 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Aug 29, 2018 | Warranty Deed, Transfer BANK OF OZARK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 29, 2018 · Amount on Record |
| Deed Sale | Aug 29, 2018 · Amount on Record |
| Prior Sale | Mar 12, 2014 · Amount on Record |
| Deed Document Number | 201888662 |
| Deed Book / Page | 2745 / 1690 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 3425 97TH LN E, PALMETTO, FL 34221-8013 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3425 97TH LN E, PALMETTO, FL 34221-8013 |
| Document Number | 0041037712 |
|---|---|
| Date | Apr 12, 2023 |
| Instrument | 202341037712 |
| Name | FLORIDA CENTRAL CU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33679 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 3425 97TH LN E, PALMETTO, FL 34221-8013 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0041153398 |
|---|---|
| Date | Nov 17, 2021 |
| Instrument | 202141153398 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 3425 97TH LN E, PALMETTO, FL 34221-8013 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3425 97TH LN E, PALMETTO, FL 34221-8013 |
| Document Number | 0041126975 |
|---|---|
| Date | Dec 2, 2024 |
| Instrument | 202441126975 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 1, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Aug 29, 2018 |
| Property Address | 3425 97TH LN E, PALMETTO, FL 34221-8013 |
| Document Number | 0027451690 |
| Book / Page | 002745 / 001690 |
| Instrument Date | Aug 28, 2018 |
| Instrument | 41088662 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2018 |
| Title Company | SUNBELT TITLE (AGENCY) |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,505.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3425 97TH LN E PALMETTO FL 342218013, PALMETTO, FL 34221-8013 |
| Document Number | 27451691 |
|---|---|
| Date | Aug 29, 2018 |
| Book Page | 002745/001691 |
| Instrument | 41088663 |
| Name | BANK OF OZARK |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72223 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 28, 2048 |
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 | $215,987 (+2.7%) | $219,700 (-0.88%) Land $45,900 Building $173,800 | |
| 2025 | $210,309 (+5.99%) | $221,640 (-26.53%) Land $45,900 Building $175,740 | |
| 2024 | $2,467.00 (+1.77%) | ||
| 2023 | $2,424.00 (+4.39%) Homeowner's exemption | $198,429 (+4.1%) | $301,677 (+9.86%) Land $45,900 Building $255,777 |
| 2022 | $2,322.00 Homeowner's exemption | $190,619 | $274,608 Land $45,000 Building $229,608 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 59 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 59 in force |
| Nearby Flood Claims | 9 (1992–2024) |
| Claims Outside the SFHA | 4 of 9 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 221 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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