357 S Shore Dr, Osprey, FL 34229 Property Records

Sarasota County property record for 357 S Shore Dr, Osprey, FL 34229

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,070 sqft · built 1969
Lot Size	0.378 acres (16,462 sqft)
Owner	2 Company Names on Record
Last Sale	$450,000 (Jan 2012)
Tax Bill	$6,389 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit May 2022 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`0160-12-0002`

Property Details

APN / Parcel Number

Primary APN	`0160-12-0002`
Alternative APN	`160120002`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,070 sqft Living Area
Gross Area	2,532 sqft
1st Floor Area	2,070 sqft
Flooring	Ceramic Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1969
Effective Year Built	Effective 2004
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Concrete
Lot Area	16,462 sqft (0.378 acres)
Lot Width	1 ft Width
View / Lot	Canal
Garage Type	Attached
Garage Area	462 sqft

Exterior Amenities

Pool Area	358 sqft
Porch	Open Porch
Porch Area	27 sqft
Patio Area	27 sqft
Utility Building	270 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0160120002
Street Address	357 S SHORE DR
City	OSPREY
State	FL
Zip	34229-9613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF1
Legal Description	PARCEL 139 DESC AS BEG AT SE COR OF NW 1/4 OF SEC 23 TH N-89-56-W 385.86 FT TH N-7-56-W 302.96 FT TO C/L OF SORRENTO DR TH N-89-56 -W ALG SAID C/L 1310.26 FT TH N- 0-04-E 25 FT TO NLY R/W OF SAID
Legal Range	18E
Legal Township	38S
Legal Section	23
Legal Subdivision	SORRENTO SHORES REPLAT OF 2
Legal Tract	1008
Legal Lot Number	139
Jurisdiction	SARASOTA FL
Township / Civil Division	OSPREY-LAUREL-NOKOMIS
Census Block Group	1
Census Block	1002
Census Tract	2204

Owner

Source: Sarasota County records, as of July 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	357 S SHORE DR, OSPREY, FL 34229-9613
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CREDIT UNION
May 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage DUPACO COMMUNITY CU
Jun 17, 2025	Deed of Trust, Mortgage · Balloon Mortgage NANCY COZENS ETAL
Jan 18, 2024	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2012 · Amount on Record
Deed Sale	Jan 23, 2012 · Amount on Record
Prior Sale	Mar 5, 2004 · Amount on Record
Deed Document Number	20128602
Prior Transfer Date	Jan 10, 1997
Prior Transfer Doc	2930001870
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARASOTA FL
Recording Date	Jun 30, 2026
Property Address	357 S SHORE DR, OSPREY, FL 34229-9613
Document Number	0000089084
Instrument Date	Jun 29, 2026
Instrument	202689084
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269

Mortgage

Document Number	0000089084,
Date	Jun 30, 2026
Instrument	202689084

Lender

Name	DUPACO COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 29, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARASOTA FL
Property Address	357 S SHORE DR, OSPREY, FL 34229-9613
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	375 S SHORE DR, OSPREY, FL 34229-9613

Mortgage

Document Number	0000077935
Date	May 6, 2022
Instrument	2022077935

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2032

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARASOTA FL
Property Address	357 S SHORE DR, OSPREY, FL 34229-9613
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 S SHORE DR, OSPREY, FL 34229-9613

Mortgage

Document Number	0000092395
Date	Jun 17, 2025
Instrument	2025092395

Lender

Name	NANCY COZENS ETAL
Type	Private Party
Address	356 MARSHA STREAM ROAD, FRANKFORT, FL

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Jul 1, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SARASOTA FL
Recording Date	Jan 18, 2024
Property Address	357 S SHORE DR, OSPREY, FL 34229-9613
Document Number	0000006695
Instrument Date	Dec 18, 2023
Instrument	2024006695
Transaction Type	Transfer
Record Updated	Jan 26, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	357 S SHORE DR, OSPREY, FL 34229-9613

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	357 S SHORE DR, OSPREY, FL 34229-9613

Tax Assessment & Valuation

Source: Sarasota County assessment roll, as of December 10, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Sarasota County
Unified School District	Sarasota County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,389.00 (+11.95%) Homeowner's exemption	$520,833 (+5.99%)	$781,000 (-10.17%) Land $441,800 Building $339,200
2023	$5,707.00 (+2.35%) Homeowner's exemption	$491,413 (+3%)	$869,400 (+5.52%) Land $522,600 Building $346,800
2022	$5,576.00 Homeowner's exemption	$477,100	$823,900 Land $457,800 Building $366,100

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 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 199 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	345 units insured incl. 146 condo units
Nearby Flood Claims	19 (2023–2026)
Most Recent Claim	Feb 2026 · other causes
Claims by Event	Hurricane Milton, Oct 2024 · 6 claims Hurricane Helene, Sep 2024 · 10 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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	SARASOTA CO SPECIAL UTIL DIST serves 272,267 people · EPA ID FL6581591
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 227 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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