Sarasota County property record for 3964 Waypoint Ave, Osprey, FL 34229
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,889 sqft · built 2016 |
| Lot Size | 0.211 acres (9,201 sqft) |
| Owner | Individual Name on File |
| Last Sale | $425,000 (Jun 2019) |
| Tax Bill | $4,785 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit Dec 2018 Line of Credit + 1 more |
| APN | 0148-15-0012 |
| Primary APN | 0148-15-0012 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,889 sqft Living Area |
| 1st Floor Area | 1,889 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Concrete |
| Lot Area | 9,201 sqft (0.211 acres) |
| Garage Type | Attached |
| Garage Area | 536 sqft |
| Pool Area | 378 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 290 sqft |
| Patio Area | 844 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3964 WAYPOINT AVE |
|---|---|
| City | OSPREY |
| State | FL |
| Zip | 34229-2305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF2 |
| Legal Description | LOT 2, BAYSIDE, PB 49 PG 41 |
| Legal Range | 18E |
| Legal Township | 38S |
| Legal Section | 10 |
| Legal Subdivision | BAYSIDE |
| Legal Tract | 3192 |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | SARASOTA FL |
| Township / Civil Division | OSPREY-LAUREL-NOKOMIS |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 2102 |
3964 Waypoint Ave is owned and occupied by an individual who bought it in June 2019.
Source: Sarasota County records, as of January 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3964 WAYPOINT AVE, OSPREY, FL 34229-2305 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Feb 13, 2023 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Dec 4, 2018 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Jun 11, 2019 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 11, 2019 · Amount on File |
| Deed Sale | Jun 11, 2019 · Amount on File |
| Prior Sale | Oct 17, 2016 · Amount on File |
| Deed Document Number | 2019077673 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SARASOTA FL |
| Property Address | 3964 WAYPOINT AVE, OSPREY, FL 34229-2305 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2023 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0000023645 |
|---|---|
| Date | Feb 13, 2023 |
| Instrument | 2023023645 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 3, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SARASOTA FL |
| Property Address | 3964 WAYPOINT AVE, OSPREY, FL 34229-2305 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000157466 |
|---|---|
| Date | Dec 4, 2018 |
| Instrument | 2018157466 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 26, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SARASOTA FL |
| Recording Date | Jun 11, 2019 |
| Property Address | 3964 WAYPOINT AVE, OSPREY, FL 34229-2305 |
| Document Number | 0000077673 |
| Map Reference | MB 49 PG 41,41A-41D |
| Instrument Date | Jun 5, 2019 |
| Instrument | 2019077673 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| Title Company | SUNBELT TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,975.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1642 ARLINGTON ST, 1642, SARASOTA, FL 34239-2101 |
| Name | Verified Name |
|---|---|
| Address | 3694 WAYPONT AVENUE, OSPREY, FL 34229 |
| Document Number | 0000077674 |
|---|---|
| Date | Jun 11, 2019 |
| Instrument | 2019077674 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2034 |
The 2025 property tax bill for 3964 Waypoint Ave was $4,785 with a homeowner's exemption.
Source: Sarasota County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Sarasota County |
| Unified School District | Sarasota County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,785.00 Homeowner's exemption | $454,074 | $804,700 Land $324,900 Building $479,800 |
| 2023 | $5,122.00 (+2.58%) Homeowner's exemption | $428,424 (+3%) | $726,200 (-0.4%) Land $158,500 Building $567,700 |
| 2022 | $4,993.00 Homeowner's exemption | $415,946 | $729,100 Land $142,700 Building $586,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 3964 Waypoint Ave; there have been 12 flood claims nearby since 2017.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on File median of 174 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 506 units insured incl. 332 condo units |
| Nearby Flood Claims | 12 (2017–2024) |
| Claims Outside the SFHA | 7 of 12 |
| 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 3964 Waypoint Ave is low, with a 0.02% 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 | 0.02% 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 | SARASOTA CO SPECIAL UTIL DIST serves 272,267 people · EPA ID FL6581591 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 295 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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