3803 E Bay Dr, Unit 1, Holmes Beach (Bradenton Beach), FL 34217 Property Records

Manatee County property record for 3803 E Bay Dr, Unit 1, Holmes Beach, FL 34217

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 1,320 sqft · built 1977
Lot Size	1.01 acres (44,147 sqft)
Owner	2 Trust Names on File
Last Sale	$350,000 (Oct 2020)
Tax Bill	$2,663 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`74014-1005-0`

Property Details

APN / Parcel Number

Primary APN	`74014-1005-0`
Alternative APN	`3416287401410050`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Units	8 Units
Stories	2 Stories
Building Area	1,320 sqft Living Area
Gross Area	2,640 sqft
1st Floor Area	698 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1996
Architectural Style	Townhouse
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	44,147 sqft
View / Lot	Lake
Garage Type	Carport
Garage Area	286 sqft
Carport	Carport
Carport Area	286 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3803 E BAY DR, 1
City	HOLMES BEACH
State	FL
Zip	34217-2078
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	HB_R-3
Legal Description	UNIT 1 BLDG A SUNBOW BAY PHASE 1 CONDO PI#74014.1005/0
Legal Range	16E
Legal Township	34S
Legal Section	28
Legal Subdivision	SUNBOW BAY PHASE 1
Legal Tract	07401401
Legal Block	A
Legal Lot Number	1
Legal Unit	1
Jurisdiction	MANATEE FL
Township / Civil Division	BRADENTON
Census Block Group	1
Census Block	1002
Census Tract	1701

Owner

3803 E Bay Dr, Unit 1 is owner-occupied and held in a trust since October 2020.

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

Owner of Record	2 Trust Names on File
Mailing Address	3803 E BAY DR, 1, HOLMES BEACH, FL 34217-2078
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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	2 Names on Deed
Last Sale	Oct 23, 2020 · Amount on File
Deed Sale	Oct 23, 2020 · Amount on File
Prior Sale	May 29, 2003 · Amount on File
Deed Document Number	2020115444
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Oct 23, 2020
Property Address	3803 E BAY DR UNIT 1, 1, HOLMES BEACH, FL 34217-2078
Document Number	0041115444
Instrument Date	Oct 14, 2020
Instrument	41115444
Transaction Type	Transfer
Record Updated	Nov 9, 2020
Title Company	ALLIANCE GROUP TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5370 159TH ST N HUGO MN 550387424, HUGO, MN 55038-7424

Mortgage

Document Number	41115446
Date	Oct 23, 2020
Instrument	41115446

Lender

Name	TRUIST BK
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3803 E Bay Dr, Unit 1 was $2,663 with a homeowner's exemption, down 64.5% 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		$178,981 (+2.7%)	$370,953 (+112.85%) Building $370,953
2025	$2,663.00 (-64.47%)	$174,276 Building $174,276	$174,276 Building $174,276
2024	$7,495.00 (-0.98%)
2023	$7,569.00 (+19.78%)	$539,750 (+38.93%) Building $539,750	$539,750 (+38.93%) Building $539,750
2022	$6,319.00	$388,500 Building $388,500	$388,500 Building $388,500

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 3803 E Bay Dr, Unit 1 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 3803 E Bay Dr, Unit 1 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