3705 E Bay Dr, Unit 109, Holmes Beach (Bradenton Beach), FL 34217 Property Records

Manatee County property record for 3705 E Bay Dr, Unit 109, Holmes Beach, FL 34217

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,121 sqft · built 1980
Lot Size	1 acre (43,560 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (May 2020)
Tax Bill	$3,034 (2025)
Deeds & Mortgages	May 2020 Sale
Flood Zone	Zone AE (high risk)
APN	`74014-1295-7`

Property Details

APN / Parcel Number

Primary APN	`74014-1295-7`
Alternative APN	`3416287401412957`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	3 Rooms
Units	35 Units
Stories	1 Story
Building Area	1,121 sqft Living Area
Gross Area	1,222 sqft
1st Floor Area	1,121 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1998
Architectural Style	Low Rise
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	43,560 sqft
View / Lot	Bay
Porch	Screened Porch
Porch Area	101 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3705 E BAY DR, 109
City	HOLMES BEACH
State	FL
Zip	34217-2048
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	HB_R-3
Legal Description	UNIT 109 SUNBOW BAY PHASE III CONDO PI#74014.1295/7
Legal Range	16E
Legal Township	34S
Legal Section	28
Legal Subdivision	SUNBOW BAY PHASE III
Legal Tract	07401403
Legal Lot Number	109
Legal Unit	109
Jurisdiction	MANATEE FL
Township / Civil Division	BRADENTON
Census Block Group	1
Census Block	1002
Census Tract	1701

Owner

3705 E Bay Dr, Unit 109 is owned by an individual who bought it in May 2020.

Source: Manatee County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1505 WARD CIR, FRANKTOWN, CO 80116-9403
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	Name on Deed
Last Sale	May 19, 2020 · Amount on File
Deed Sale	May 19, 2020 · Amount on File
Prior Sale	May 13, 2016 · Amount on File
Deed Document Number	202050543
Prior Transfer Date	May 14, 2020
Prior Transfer Doc	0000050543
Record Updated	Oct 29, 2026

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MANATEE FL
Recording Date	May 19, 2020
Property Address	3705 E BAY DR UNIT 109, 109, HOLMES BEACH, FL 34217-2048
Document Number	0041050543
Instrument Date	May 14, 2020
Instrument	41050543
Transaction Type	Transfer
Record Updated	Jun 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,205.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1505 WARD CIR FRANKTOWN CO 801169403, FRANKTOWN, CO 80116-9403

Tax Assessment & Valuation

The 2025 property tax bill for 3705 E Bay Dr, Unit 109 was $3,034, down 58.4% from the year before.

Source: Manatee County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Manatee County
Municipality	Holmes Beach City
Unified School District	Manatee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$370,953 (+112.85%) Building $370,953	$370,953 (+112.85%) Building $370,953
2025	$3,034.00 (-58.43%)	$174,276 Building $174,276	$174,276 Building $174,276
2024	$7,298.00 (-1.18%)
2023	$7,385.00 (+20.24%)	$539,750 (+38.93%) Building $539,750	$539,750 (+38.93%) Building $539,750
2022	$6,142.00	$388,500 Building $388,500	$388,500 Building $388,500

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

Flood

FEMA maps place 3705 E Bay Dr, Unit 109 in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 219 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	530 units insured incl. 311 condo units
Nearby Flood Claims	387 (1982–2024)
Claims Outside the SFHA	3 of 387
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Helene, Oct 2024 · 231 claims Tropical Storm Josephine, Oct 1996 · 11 claims Hurricane Elena, Sep 1985 · 44 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 3705 E Bay Dr, Unit 109 is low, with a 0.03% 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	0.03% 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	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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20