3805 89th St E, Palmetto, FL 34221 Property Records

Manatee County property record for 3805 89th St E, Palmetto, FL 34221

Property Summary

Property Type	Multi-Family Dwellings
Details	7 bd · 3 ba · 4,294 sqft · built 1974
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Apr 2022)
Tax Bill	$10,247 (2024)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`6446-0000-9`

Property Details

APN / Parcel Number

Primary APN	`6446-0000-9`
Alternative APNs	`331820644600009` `0644600009`

Interior

Bedrooms	7 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Units	2 Units
Stories	1 Story
Building Area	4,294 sqft Living Area
Gross Area	5,329 sqft
1st Floor Area	3,342 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2003
Architectural Style	Multi-Family
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	87,120 sqft
Garage Type	Attached
Garage Area	688 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	347 sqft
Deck Area	Deck Area
Patio Area	374 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	0644600009
Street Address	3805 89TH ST E
City	PALMETTO
State	FL
Zip	34221-8684
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	PD-R
Legal Description	COM AT NW COR OF E1/2 OF SW1/4 OF SEC 20, TH N 89 DEG 51 MIN 10 SEC E, 649.75 FT FOR POB; TH CONT N 89 DEG 51 MIN 10 SEC E, 195 FT, TH S 00 DEG 08 MIN 50 SEC E, 470 FT, TH S 89 DEG
Legal Range	18E
Legal Township	33S
Legal Section	20
Legal Subdivision	RICHARDS
Legal Tract	00644200
Legal Block	C
Legal Lot Number	V006
Jurisdiction	MANATEE FL
Township / Civil Division	PARRISH
Census Block Group	1
Census Block	1003
Census Tract	1915

Owner

Source: Manatee County records, as of October 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3805 89TH ST E, PALMETTO, FL 34221-8684
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Oct 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 13, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 13, 2022	Warranty Deed, Transfer · Conventional Mortgage LONE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2022 · Amount on Record
Deed Sale	Apr 13, 2022 · Amount on Record
Deed Document Number	202249649
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Recording Date	Sep 15, 2026
Property Address	3805 89TH ST E, PALMETTO, FL 34221-8684
Document Number	0000106690
Instrument Date	Sep 9, 2026
Instrument	2026106690
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3805 89TH ST E, PALMETTO, FL 34221-8684

Mortgage

Document Number	0000106690,
Date	Sep 15, 2026
Instrument	2026106690

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 5, 2046

Interest

Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	3805 89TH ST E, PALMETTO, FL 34221-8684
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3805 89TH ST E, PALMETTO, FL 34221-8684

Mortgage

Document Number	0041127429
Date	Oct 19, 2022
Instrument	202241127429

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Apr 13, 2022
Property Address	3805 89TH ST E, PALMETTO, FL 34221-8684
Document Number	0041050034
Map Reference	MB 1 PG 310
Instrument Date	Mar 16, 2022
Instrument	202241050034
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	624 33RD ST, MANHATTAN BEACH, CA 90266-3424

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3805 89TH ST E, PALMETTO, FL 34221-8684

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Apr 13, 2022
Property Address	3805 89TH ST E, PALMETTO, FL 34221-8684
Document Number	0041049649
Instrument Date	Mar 15, 2022
Instrument	202241049649
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	624 33RD ST, MANHATTAN BEACH, CA 90266-3424

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3805 89TH ST E, PALMETTO, FL 34221-8684

Mortgage

Document Number	0041049650
Date	Apr 13, 2022
Instrument	202241049650

Lender

Name	LONE MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

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

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
2026		$627,183 (-16.84%) Land $114,750 Building $512,433	$627,183 (-16.84%) Land $114,750 Building $512,433
2025		$754,187 (-2.14%) Land $114,750 Building $639,437	$754,187 (-2.14%) Land $114,750 Building $639,437
2024	$10,247.00 (-2.48%)
2023	$10,508.00 (+21.68%) Homeowner's exemption	$770,691 (+30.04%) Land $114,750 Building $655,941	$770,691 (+30.04%) Land $114,750 Building $655,941
2022	$8,636.00	$592,667 Land $52,500 Building $540,167	$592,667 Land $52,500 Building $540,167

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

Flood

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 Record median of 44 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	44 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2024 · Hurricane Milton

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

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

Wildfire Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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