3602 81st St E, Palmetto, FL 34221 Property Records

Manatee County property record for 3602 81st St E, Palmetto, FL 34221

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,467 sqft · built 2003
Lot Size	1.66 acres (72,745 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Apr 2016)
Tax Bill	$2,948 (2024)
Deeds & Mortgages	Oct 2022 Line of Credit Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6447-0235-9`

Property Details

APN / Parcel Number

Primary APN	`6447-0235-9`
Alternative APNs	`331820644702359` `0644702359`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,467 sqft Living Area
Gross Area	2,028 sqft
1st Floor Area	1,467 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	72,745 sqft
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	36 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	0644702359
Street Address	3602 81ST ST E
City	PALMETTO
State	FL
Zip	34221-8965
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1 SUBURB
Legal Description	THAT PART OF LOTS 10 BLK L AND LOTS 1 THROUGH 3 BLK M, RICHARDS SUB, MORE PARTICULARLY DESC AS FOLLOWS: COM AT THE NW COR OF THE E1/2 OF THE SW1/4 OF SEC 20, TWN 33S, RNG 18E,
Legal Range	18E
Legal Township	33S
Legal Section	20
Legal Subdivision	RICHARDS
Legal Tract	00644200
Legal Block	L,M
Legal Lot Number	10
Jurisdiction	MANATEE FL
Township / Civil Division	PARRISH
Census Block Group	1
Census Block	1006
Census Tract	1915

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	3602 81ST ST E, PALMETTO, FL 34221-8965
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF THE OZARKS
Apr 2, 2018	Deed of Trust, Mortgage · VA Mortgage FBC MORTGAGE LLC
Mar 5, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2016 · Amount on Record
Deed Sale	Apr 7, 2016 · Amount on Record
Prior Sale	Feb 11, 2015 · Amount on Record
Deed Document Number	20163496188
Deed Book / Page	2614 / 6428
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	3602 81ST ST E, PALMETTO, FL 34221-8965
Transaction Type	Mortgage
Record Updated	Nov 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3602 81ST ST E, PALMETTO, FL 34221-8965

Mortgage

Document Number	0041130409
Date	Oct 27, 2022
Instrument	202241130409

Lender

Name	BANK OF THE OZARKS
Type	Bank
Address	BRADENTON, FL 34205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	297 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	3602 81ST ST E, PALMETTO, FL 34221-8965
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041031740
Date	Apr 2, 2018
Book Page	2720/7343
Instrument	201841031740

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	3602 81ST ST E, PALMETTO, FL 34221-8965
Document Number	0041028419
Instrument Date	Mar 5, 2020
Transaction Type	Mortgage
Record Updated	Apr 24, 2020
Title Company	SOUTHEAST CLOSING SERVICES, SOUTHEAST CLOSING SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3602 81ST ST E PALMETTO FL 342218965, PALMETTO, FL 34221-8965

Mortgage

Document Number	0041028419
Date	Mar 16, 2020
Instrument	41028419

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 15, 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		$259,574 (+2.7%)	$428,500 (-0.86%) Land $102,128 Building $326,372
2025		$252,750 (+8.74%)	$432,233 (+0.58%) Land $102,128 Building $330,105
2024	$2,948.00 (+1.62%)
2023	$2,901.00 (+2.98%) Homeowner's exemption	$232,433 (+3%)	$429,727 (+30.56%) Land $102,128 Building $327,599
2022	$2,817.00 Homeowner's exemption	$225,663	$329,129 Land $46,725 Building $282,404

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 44 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	44 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2024 · Hurricane Milton

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 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.09% 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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