Manatee County property record for 3902 76th St E, Palmetto, FL 34221
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,980 sqft · built 2016 |
| Lot Size | 0.165 acres (7,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $261,570 (Jul 2016) |
| Tax Bill | $1,543 (2024) |
| Deeds & Mortgages | May 2025 Reverse Mortgage Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 6698-0250-9 |
| Primary APN | 6698-0250-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,980 sqft Living Area |
| Gross Area | 2,680 sqft |
| 1st Floor Area | 1,980 sqft |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,200 sqft (0.165 acres) |
| Lot Width | 60 ft Width |
| View / Lot | Standard |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened Porch |
| Porch Area | 280 sqft |
| Patio Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3902 76TH ST E |
|---|---|
| City | PALMETTO |
| State | FL |
| Zip | 34221-3581 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-R |
| Legal Description | LOT 40 HERON CREEK PH I PI#6698.0250/9 |
| Legal Range | 18E |
| Legal Township | 33S |
| Legal Section | 29 |
| Legal Subdivision | HERON CREEK PHASE I |
| Legal Tract | 00669800 |
| Legal Lot Number | 40 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | PARRISH |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 1915 |
Source: Manatee County records · APN 6698-0250-9
Assessment roll updated August 25, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 3902 76TH ST E, PALMETTO, FL 34221-3581 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 14, 2025 | Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Aug 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| Apr 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 14, 2016 · Amount on Record |
| Deed Sale | Jul 14, 2016 · Amount on Record |
| Prior Sale | Oct 12, 2015 · Amount on Record |
| Deed Document Number | 201618231 |
| Deed Book / Page | 2629 / 2515 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 3902 76TH ST E, PALMETTO, FL 34221-3581 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3902 76TH ST E, PALMETTO, FL 34221-3581 |
| Document Number | 0041060825 |
|---|---|
| Date | May 14, 2025 |
| Instrument | 202541060825 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 898 Months |
| Due | Mar 04, 2100 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 3902 76TH ST E, PALMETTO, FL 34221-3581 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3902 76TH ST E, PALMETTO, FL 34221-3581 |
| Document Number | 0041108990 |
|---|---|
| Date | Aug 17, 2021 |
| Instrument | 202141108990 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | LONGWOOD, FL 32750 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 10, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 3902 76TH ST E, PALMETTO, FL 34221-3581 |
| Document Number | 0041044971 |
| Instrument Date | Apr 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3902 76TH ST E PALMETTO FL 342213581, PALMETTO, FL 34221-3581 |
| Document Number | 0041044971 |
|---|---|
| Date | May 01, 2020 |
| Instrument | 41044971 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 30, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.29% |
Source: Manatee County records · Assessment roll updated August 25, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Manatee County |
| Unified School District | Manatee County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $257,978 (+5.99%) | $407,366 (+3.59%) Land $45,900 Building $361,466 | |
| 2024 | $1,543.00 (-49.24%) | ||
| 2023 | $3,040.00 (+108.79%) Homeowner's exemption | $243,405 (+3%) | $393,260 (+14.33%) Land $45,900 Building $347,360 |
| 2022 | $1,456.00 Homeowner's exemption | $236,316 | $343,984 Land $45,000 Building $298,984 |
Source: FEMA National Flood Hazard Layer as of September 2, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile USA.
Based on FCC filings for 146 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MANATEE COUNTY UTILITIES DEPT serves 347,800 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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