3908 Joyce Dr, Bradenton, FL 34208 Property Records

Manatee County property record for 3908 Joyce Dr, Bradenton, FL 34208

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,599 sqft · built 1979
Lot Size	0.165 acres (7,187 sqft)
Owner	Individual Name on Record
Last Sale	$247,500 (Jul 2014)
Tax Bill	$3,613 (2025)
Deeds & Mortgages	Jan 2020 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`11272-0373-3`

Property Details

APN / Parcel Number

Primary APN	`11272-0373-3`
Alternative APN	`3418281127203733`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,599 sqft Living Area
Gross Area	2,645 sqft
1st Floor Area	1,599 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1997
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	7,187 sqft (0.165 acres)
View / Lot	River
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Pool Area	81 sqft
Porch	Screened Porch
Porch Area	566 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	3908 JOYCE DR
City	BRADENTON
State	FL
Zip	34208-8022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BR_R-1
Legal Description	LOT 365 RIVER ISLES UNIT 2-A PI#11272.0373/3
Legal Range	18E
Legal Township	34S
Legal Section	28
Legal Subdivision	RIVER ISLES UNIT 2-A
Legal Tract	01127206
Legal Lot Number	365
Legal Unit	2-A
Jurisdiction	MANATEE FL
Township / Civil Division	BRADENTON
Census Block Group	2
Census Block	2005
Census Tract	2011

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	3908 JOYCE DR, BRADENTON, FL 34208-8022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2014 · Amount on Record
Deed Sale	Jul 30, 2014 · Amount on Record
Deed Document Number	20143295503
Deed Book / Page	2530 / 3601
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	3908 JOYCE DR, BRADENTON, FL 34208-8022
Document Number	0041016774
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3908 JOYCE DR BRADENTON FL 342088022, BRADENTON, FL 34208-8022

Mortgage

Document Number	0041016774
Date	Feb 18, 2020
Instrument	41016774

Lender

Name	TRUIST BK
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 17, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
Municipality	Bradenton City
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		$249,760 (+2.7%)	$312,185 (-0.14%) Land $81,600 Building $230,585
2025	$3,613.00 (+3.05%) Homeowner's exemption	$243,194 (+5.99%)	$312,611 (-9.48%) Land $81,600 Building $231,011
2024	$3,506.00 (+1.56%)
2023	$3,452.00 (+0.2%) Homeowner's exemption	$229,456 (+3%)	$345,368 (+11.3%) Land $81,600 Building $263,768
2022	$3,445.00 Homeowner's exemption Widower's exemption	$222,773	$310,298 Land $80,000 Building $230,298

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 97 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	103 units insured incl. 6 condo units
Nearby Flood Claims	12 (1980–2024)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle, Sep 2001 · 3 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

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.01% 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	CITY OF BRADENTON serves 58,584 people · EPA ID FL6410182
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 267 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20