Manatee County property record for 3431 98th St E, Palmetto, FL 34221
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,932 sqft · built 2011 |
| Lot Size | 0.155 acres (6,741 sqft) |
| Owner | Individual Name on File |
| Last Sale | $405,000 (May 2021) |
| Tax Bill | $4,507 (2024) |
| Deeds & Mortgages | May 2021 Sale & Mortgage Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 6182-0605-9 |
| Primary APN | 6182-0605-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,932 sqft Living Area |
| Gross Area | 2,600 sqft |
| 1st Floor Area | 852 sqft |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,741 sqft (0.155 acres) |
| View / Lot | Standard |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 378 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 288 sqft |
| Patio Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Old Parcel Number | 0618206059 |
|---|---|
| Street Address | 3431 98TH ST E |
| City | PALMETTO |
| State | FL |
| Zip | 34221-8015 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-R |
| Legal Description | LOT 111 GILLETTE GROVE SUBDIVISION PI#6182.0605/9 |
| Legal Range | 18E |
| Legal Township | 33S |
| Legal Section | 17 |
| Legal Subdivision | GILLETTE GROVE |
| Legal Tract | 00618200 |
| Legal Lot Number | 111 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | PALMETTO |
| Census Block Group | 1 |
| Census Block | 1057 |
| Census Tract | 1602 |
3431 98th St E is owned and occupied by an individual who bought it in May 2021.
Source: Manatee County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3431 98TH ST E, PALMETTO, FL 34221-8015 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC |
| Jul 3, 2019 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2021 · Amount on File |
| Deed Sale | May 26, 2021 · Amount on File |
| Prior Sale | Jun 5, 2015 · Amount on File |
| Deed Document Number | 202170100 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | May 26, 2021 |
| Property Address | 3431 98TH ST E, PALMETTO, FL 34221-8015 |
| Document Number | 0041070100 |
| Map Reference | MB 50 PG 145 |
| Instrument Date | May 25, 2021 |
| Instrument | 202141070100 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,835.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11443 77TH ST, NAPLES, FL 34119 |
| Name | Verified Name |
|---|---|
| Address | 3431 98TH ST E, PALMETTO, FL 34221-8015 |
| Document Number | 0041070101 |
|---|---|
| Date | May 26, 2021 |
| Instrument | 202141070101 |
| Name | WYNDHAM CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 3431 98TH ST E, PALMETTO, FL 34221-8015 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0027902824 |
|---|---|
| Date | Jul 3, 2019 |
| Book Page | 2790/2824 |
| Instrument | 201941065372 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 144 Months |
| Due | Jul 3, 2031 |
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 | $298,995 (-1.28%) Land $40,800 Building $258,195 | $298,995 (-1.28%) Land $40,800 Building $258,195 | |
| 2025 | $302,859 Land $40,800 Building $262,059 | $302,859 Land $40,800 Building $262,059 | |
| 2024 | $4,507.00 (-1.14%) | ||
| 2023 | $4,559.00 (+2.63%) Homeowner's exemption | $354,192 (+3%) | $411,633 (+16.46%) Land $40,800 Building $370,833 |
| 2022 | $4,442.00 Homeowner's exemption | $343,876 | $353,449 Land $40,000 Building $313,449 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3431 98th St E in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1992.
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 File 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.
Wildfire risk around 3431 98th St E is low, with a 0.04% annual chance of wildfire.
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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