3803 E Bay Dr, Unit 3, Holmes Beach (Bradenton Beach), FL 34217 Property Records

Manatee County property record for 3803 E Bay Dr, Unit 3, Holmes Beach, FL 34217

Property Summary

Property Type	Condominium
Details	3 bd · 1 ba · 1,456 sqft · built 1977
Lot Size	1.01 acres (44,147 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Mar 2017)
Tax Bill	$3,336 (2025)
Deeds & Mortgages	Mar 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`74014-1015-9`

Property Details

APN / Parcel Number

Primary APN	`74014-1015-9`
Alternative APN	`3416287401410159`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Units	8 Units
Stories	3 Stories
Building Area	1,456 sqft Living Area
Gross Area	2,398 sqft
1st Floor Area	416 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	Attached
Garage Area	168 sqft
Porch	Open Porch
Porch Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3803 E BAY DR, 3
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 3 BLDG A SUNBOW BAY PHASE 1 CONDO PI#74014.1015/9
Legal Range	16E
Legal Township	34S
Legal Section	28
Legal Subdivision	SUNBOW BAY PHASE 1
Legal Tract	07401401
Legal Block	A
Legal Lot Number	3
Legal Unit	3
Jurisdiction	MANATEE FL
Township / Civil Division	BRADENTON
Census Block Group	1
Census Block	1002
Census Tract	1701

Owner

3803 E Bay Dr, Unit 3 is owned by two individuals who bought it in March 2017.

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	785 VIEWMONT AVE, JOHNSTOWN, PA 15905-1637
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2017 · Amount on File
Deed Sale	Mar 10, 2017 · Amount on File
Prior Sale	Nov 12, 2013 · Amount on File
Deed Document Number	201722046
Prior Transfer Date	Nov 14, 2002
Prior Transfer Doc	0017850427
Record Updated	Oct 29, 2026

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Mar 10, 2017
Property Address	3803 E BAY DR UNIT 3, 3, HOLMES BEACH, FL 34217-2078
Document Number	0026637937
Book / Page	002663 / 007937
Instrument Date	Mar 10, 2017
Instrument	41022046
Transaction Type	Transfer
Record Updated	May 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	785 VIEWMONT AVE JOHNSTOWN PA 159051637, JOHNSTOWN, PA 15905-1637

Mortgage

Document Number	26637939
Date	Mar 10, 2017
Book Page	002663/007939
Instrument	41022047

Lender

Name	FIRST SUMMIT BK
Type	Bank
Address	JOHNSTOWN, PA 15904

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 9, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3803 E Bay Dr, Unit 3 was $3,336, down 57.2% 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		$388,787 (+112.56%) Building $388,787	$388,787 (+112.56%) Building $388,787
2025	$3,336.00 (-57.18%)	$182,903 Building $182,903	$182,903 Building $182,903
2024	$7,791.00 (-1.22%)
2023	$7,887.00 (+20.05%)	$569,500 (+39.07%) Building $569,500	$569,500 (+39.07%) Building $569,500
2022	$6,570.00	$409,500 Building $409,500	$409,500 Building $409,500

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 3 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 3 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