3703 109th St E, Palmetto, FL 34221 Property Records

Manatee County property record for 3703 109th St E, Palmetto, FL 34221

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.259 acres (11,276 sqft)
Owner	Individual Name on File
Last Sale	$587,006 (Jun 2026)
Tax Bill	$2,926 (2024)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6123-0065-9`

Property Details

APN / Parcel Number

Primary APN	`6123-0065-9`

Exterior

Lot Area	11,276 sqft (0.259 acres)
View / Lot	Standard

Location & Zoning

Street Address	3703 109TH ST E
City	PALMETTO
State	FL
Zip	34221-2965
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	LOT 11, MANDARIN GROVE PH I PI #6123.0065/9
Legal Subdivision	MANDARIN GROVE PH I
Legal Lot Number	11
Jurisdiction	MANATEE FL
Township / Civil Division	PARRISH
Census Block Group	2
Census Block	2027
Census Tract	1915

Owner

3703 109th St E, residential vacant land, is owned and occupied by an individual who bought it in June 2026.

Source: Manatee County records, as of July 21, 2026

Owner of Record	Individual Name on File
Mailing Address	3703 109TH ST E, PALMETTO, FL 34221-2965
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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	Name on Deed
Last Sale	Jun 29, 2026 · Amount on File
Deed Sale	Jun 29, 2026 · Amount on File
Deed Document Number	202674788
Record Updated	Sep 20, 2026

June 2026: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Jun 29, 2026
Property Address	3703 109TH ST E, PALMETTO, FL 34221-2965
Document Number	0000074788
Instrument Date	Jun 25, 2026
Instrument	202674788
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 21, 2026
Title Company	EXECUTIVE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$415,013.04
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3703 109TH ST E, PALMETTO, FL 34221-2965

Mortgage

Document Number	0000074789,
Date	Jun 29, 2026
Instrument	202674789

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Manatee County assessment roll, as of August 25, 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		$65,025 Land $65,025	$65,025 Land $65,025
2024	$2,926.00 (-46.84%)
2023	$5,504.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3703 109th St E in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 229 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	229 in force
Nearby Flood Claims	3 (2020–2024)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Eta, Nov 2020 · 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 3703 109th St E is moderate, ranking above 67% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 45% of Florida
Wildfire Likelihood	0.2% 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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20