3432 98th St E, Palmetto, FL 34221 Property Records

Manatee County property record for 3432 98th St E, Palmetto, FL 34221

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,951 sqft · built 2012
Lot Size	0.154 acres (6,741 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Jul 2019)
Tax Bill	$3,977 (2024)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6182.0610-9`

Property Details

APN / Parcel Number

Primary APN	`6182.0610-9`
Alternative APNs	`331817618206109` `0618206109`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	1,951 sqft Living Area
Gross Area	2,400 sqft
1st Floor Area	871 sqft

Exterior

Year Built	Built 2012
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 (0.154 acres)
Terrain	Low
Garage Type	Attached
Garage Area	361 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	88 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	331817618206109
Old Parcel Number	0618206109
Street Address	3432 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 112 GILLETTE GROVE SUBDIVISION PI#6182.0610/9
Legal Range	18E
Legal Township	33S
Legal Section	17
Legal Subdivision	GILLETTE GROVE
Legal Tract	618200
Legal Block	1099
Legal Lot Number	112
Jurisdiction	MANATEE FL
Township / Civil Division	PALMETTO
Census Block Group	1
Census Block	1056
Census Tract	1602

Owner

3432 98th St E is owned and occupied by an individual who bought it in July 2019.

Source: Manatee County records, as of November 26, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3432 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2019 · Amount on File
Deed Sale	Jul 19, 2019 · Amount on File
Prior Sale	Jun 6, 2012 · Amount on File
Deed Document Number	201941070889
Deed Book / Page	2792 / 6157
Record Updated	Jun 8, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Jul 19, 2019
Property Address	3432 98TH ST E, PALMETTO, FL 34221-8015
Document Number	0027926157
Book / Page	2792 / 6157
Map Reference	MB 50 PG 145-150
Instrument Date	Jul 8, 2019
Instrument	201941070889
Transaction Type	Transfer
Record Updated	May 13, 2021
Title Company	MANASOTA PROFESSIONAL TTL CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2807 25TH ST W, 2807, BRADENTON, FL 34205-3655

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3432 98TH ST E, PALMETTO, FL 34221-8015

Mortgage

Document Number	27926158
Date	Jul 19, 2019
Instrument	2792-6158

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Manatee County assessment roll, as of July 1, 2025

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
2025		$269,286 Land $40,800 Building $228,486	$269,286 Land $40,800 Building $228,486
2024	$3,977.00 (-5.2%)
2023	$4,195.00 (+7.34%) Homeowner's exemption	$352,557 (+8.7%)	$371,047 (+14.4%) Land $40,800 Building $330,247
2022	$3,908.00 Homeowner's exemption	$324,336 Land $40,000 Building $284,336	$324,336 Land $40,000 Building $284,336

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

Flood

FEMA maps place 3432 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	Hurricane Milton, Oct 2024 · 2 claims Hurricane Helene, Sep 2024 · 2 claims Severe Storms & Flooding, Jun 1992 · 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

Wildfire risk around 3432 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.

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 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