Manatee County property record for 3705 E Bay Dr, Unit 116, Holmes Beach, FL 34217
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,121 sqft · built 1980 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $295,000 (Dec 2020) |
| Tax Bill | $2,855 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Dec 2020 Foreclosure |
| Flood Zone | Zone AE (high risk) |
| APN | 74014-1330-2 |
| Primary APN | 74014-1330-2 |
|---|---|
| Alternative APN |
|
| 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 |
| 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 | Second Row from Bay |
| Porch | Screened Porch |
| Porch Area | 101 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3705 E BAY DR, 116 |
|---|---|
| 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 116 SUNBOW BAY PHASE III CONDO PI#74014.1330/2 |
| Legal Range | 16E |
| Legal Township | 34S |
| Legal Section | 28 |
| Legal Subdivision | SUNBOW BAY PHASE III |
| Legal Tract | 07401403 |
| Legal Lot Number | 116 |
| Legal Unit | 116 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | BRADENTON |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 1701 |
Source: Manatee County records, as of July 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 922, INDIAN HILLS, CO 80454-0922 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG |
| Dec 14, 2020 | Trustee's Deed, Foreclosure · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 14, 2020 · Amount on File |
| Deed Sale | Dec 14, 2020 · Amount on File |
| Prior Sale | May 12, 2005 · Amount on File |
| Deed Document Number | 2020137850 |
| Prior Transfer Date | Nov 25, 2020 |
| Prior Transfer Doc | 0000137850 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 3705 E BAY DR UNIT 116, 116, HOLMES BEACH, FL 34217-2048 |
| Document Number | 0041137851 |
| Instrument Date | Nov 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2021 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3705 E BAY DR #116 HOLMES BEACH FL 342172048, 116, HOLMES BEACH, FL 34217-2048 |
| Document Number | 0041137851 |
|---|---|
| Date | Dec 14, 2020 |
| Instrument | 41137851 |
| Name | FAIRWAY INDEPENDENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 13, 2050 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Dec 14, 2020 |
| Property Address | 3705 E BAY DR UNIT 116, 116, HOLMES BEACH, FL 34217-2048 |
| Document Number | 0041137850 |
| Map Reference | MB 996 PG 3440 |
| Instrument Date | Nov 25, 2020 |
| Instrument | 202041137850 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 29, 2022 |
| Title Company | CLEAR TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,065.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 922, INDIAN HILLS, CO 80454-0922 |
| Document Number | 0041137851 |
|---|---|
| Date | Dec 14, 2020 |
| Instrument | 202041137851 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
Source: Manatee County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Manatee County |
| Municipality | Holmes Beach City |
| Unified School District | Manatee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $288,915 (+114.66%) Building $288,915 | $288,915 (+114.66%) Building $288,915 | |
| 2025 | $2,855.00 (-53.03%) | $134,589 (-67.69%) Building $134,589 | $134,589 (-67.69%) Building $134,589 |
| 2024 | $6,078.00 (+5.72%) | ||
| 2023 | $5,749.00 (+20.93%) | $416,500 (+41.67%) Building $416,500 | $416,500 (+41.67%) Building $416,500 |
| 2022 | $4,754.00 | $294,000 Building $294,000 | $294,000 Building $294,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|
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.
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.
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 |
| 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.
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 |
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