3609 77th Ter E, Sarasota, FL 34243 Property Records

Manatee County property record for 3609 77th Ter E, Sarasota, FL 34243 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,392 sqft · built 1997
Lot Size	0.177 acres (7,710 sqft)
Owner	Individual Name on File
Last Sale	$102,900 (Oct 1997)
Tax Bill	$1,274 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20278-1045-2`

Property Details

APN / Parcel Number

Primary APN	`20278-1045-2`
Alternative APN	`3518322027810452`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,392 sqft Living Area
Gross Area	1,953 sqft
1st Floor Area	1,392 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2008
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,710 sqft (0.177 acres)
View / Lot	Standard
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	3609 77TH TER E
City	SARASOTA
State	FL
Zip	34243-2883
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 COUNTRY PALMS A SUB PI#20278.1045/2
Legal Range	18E
Legal Township	35S
Legal Section	32
Legal Subdivision	COUNTRY PALMS
Legal Tract	02027800
Legal Lot Number	7
Jurisdiction	MANATEE FL
Township / Civil Division	BRADENTON
Census Block Group	3
Census Block	3004
Census Tract	805

Owner

Source: Manatee County records · APN 20278-1045-2

Assessment roll updated July 23, 2026 · Last verified August 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 File
Mailing Address	3609 77TH TER E, SARASOTA, FL 34243-2883
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 01, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Sep 12, 2017	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L/CLEVELAND

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 22, 1997 · Amount on Record
Deed Sale	Oct 22, 1997 · Amount on Record
Deed Book / Page	1533 / 389
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	3609 77TH TER E, SARASOTA, FL 34243-2883
Transaction Type	Mortgage
Record Updated	Feb 17, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3609 77TH TER E, SARASOTA, FL 34243-2883

Mortgage

Document Number	202141012996
Date	Feb 01, 2021
Instrument	202141012996

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 01, 2036

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	3609 77TH TER E, SARASOTA, FL 34243-2883
Document Number	0026944404
Book / Page	002694 / 004404
Instrument Date	Sep 12, 2017
Transaction Type	Mortgage
Record Updated	Oct 13, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3609 77TH TER E SARASOTA FL 342432883, SARASOTA, FL 34243-2883

Mortgage

Document Number	0026944404
Date	Sep 29, 2017
Book Page	002694/004404
Instrument	41092336

Lender

Name	THIRD FED'L S&L/CLEVELAND
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Manatee County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$128,140 (+2.7%)	$306,641 (-0.96%) Land $51,000 Building $255,641
2025	$1,274.00 (+5.12%)	$124,771 (+5.99%)	$309,613 (-1.88%) Land $51,000 Building $258,613
2024	$1,212.00 (-9.15%)
2023	$1,334.00 (-0.82%) Homeowner's exemption	$117,723 (+3%)	$315,558 (+5.34%) Land $51,000 Building $264,558
2022	$1,345.00 Homeowner's exemption Widower's exemption	$114,294	$299,550 Land $50,000 Building $249,550

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Manatee County (12081C), updated September 2, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120810008053, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 135 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	135 in force
Nearby Flood Claims	40 (1992–2024)
Claims Outside the SFHA	14 of 40
Most Recent Claim	Aug 2024, rainfall accumulation, Hurricane Debby
Claims By Storm	Hurricane Debby, Aug 2024 · 2 claims Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle, Sep 2001 · 2 claims

Wildfire

Wildfire Risk	Low above 6% of the US · above 5% of Florida
Wildfire Likelihood	About 1 in 4,167 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 352 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Xfinity, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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