Manatee County property record for 3805 E Bay Dr, Unit 201, Holmes Beach, FL 34217
| Property Type | Condominium |
|---|---|
| Details | 1 bd · 1 ba · 917 sqft · built 1979 |
| Lot Size | 0.542 acres (23,619 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $385,000 (Oct 2023) |
| Tax Bill | $1,584 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Oct 2017 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 74014-1110-8 |
| Primary APN | 74014-1110-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 2 Rooms |
| Units | 30 Units |
| Stories | 1 Story |
| Building Area | 917 sqft Living Area |
| Gross Area | 1,018 sqft |
| 1st Floor Area | 917 sqft |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Low Rise |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 23,619 sqft (0.542 acres) |
| View / Lot | Island |
| Porch | Screened Porch |
| Porch Area | 101 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3805 E BAY DR, 201 |
|---|---|
| City | HOLMES BEACH |
| State | FL |
| Zip | 34217-2051 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | HB_R-3 |
| Legal Description | UNIT 1 BLDG E SUNBOW BAY CONDO PHASE II PI#74014.1110/8 |
| Legal Range | 16E |
| Legal Township | 34S |
| Legal Section | 28 |
| Legal Subdivision | SUNBOW BAY PHASE II |
| Legal Tract | 07401402 |
| Legal Block | E |
| Legal Lot Number | 1 |
| Legal Unit | 1 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | BRADENTON |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 1701 |
3805 E Bay Dr, Unit 201 is owned and occupied by two individuals who bought it in October 2023.
Source: Manatee County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3805 E BAY DR, 201, HOLMES BEACH, FL 34217-2051 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 3, 2023 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Oct 17, 2017 | Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 3, 2023 · Amount on File |
| Deed Sale | Oct 3, 2023 · Amount on File |
| Prior Sale | Feb 17, 2012 · Amount on File |
| Deed Document Number | 2023105805 |
| Prior Transfer Date | Feb 15, 2012 |
| Prior Transfer Doc | 0024091377 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 3805 E BAY DR UNIT 201, 201, HOLMES BEACH, FL 34217-2051 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|---|
| Address | 624 ESTUARY DR, BRADENTON, FL 34209-7317 |
| Document Number | 0041105806 |
|---|---|
| Date | Oct 3, 2023 |
| Instrument | 202341105806 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 264 Months |
| Due | Oct 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 3805 E BAY DR UNIT 201, 201, HOLMES BEACH, FL 34217-2051 |
| Document Number | 0026990259 |
| Book / Page | 002699 / 000259 |
| Instrument Date | Oct 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3805 E BAY DR #201 HOLMES BEACH FL 342172051, 201, HOLMES BEACH, FL 34217-2051 |
| Document Number | 0026990259 |
|---|---|
| Date | Oct 31, 2017 |
| Book Page | 002699/000259 |
| Instrument | 41103173 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 30, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3805 E Bay Dr, Unit 201 was $1,584 with a homeowner's exemption, down 66.5% from the year before.
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 | $249,679 (+112.79%) Building $249,679 | $249,679 (+112.79%) Building $249,679 | |
| 2025 | $1,584.00 (-66.55%) | $117,334 Building $117,334 | $117,334 Building $117,334 |
| 2024 | $4,735.00 (-4.75%) | ||
| 2023 | $4,971.00 (+20.74%) | $357,000 (+41.67%) Building $357,000 | $357,000 (+41.67%) Building $357,000 |
| 2022 | $4,117.00 | $252,000 Building $252,000 | $252,000 Building $252,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3805 E Bay Dr, Unit 201 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 |
|
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 risk around 3805 E Bay Dr, Unit 201 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.
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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