Sarasota County property record for 3965 Waypoint Ave, Osprey, FL 34229
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,310 sqft · built 2018 |
| Lot Size | 0.177 acres (7,732 sqft) |
| Owner | Individual Name on File |
| Last Sale | $640,100 (Sep 2018) |
| Tax Bill | $8,960 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Sep 2018 Sale & Mortgage |
| APN | 0148-15-0025 |
| Primary APN | 0148-15-0025 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,310 sqft Living Area |
| 1st Floor Area | 2,310 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Concrete |
| Lot Area | 7,732 sqft (0.177 acres) |
| Garage Type | Attached |
| Garage Area | 514 sqft |
| Pool Area | 202 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 484 sqft |
| Patio Area | 105 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3965 WAYPOINT AVE |
|---|---|
| City | OSPREY |
| State | FL |
| Zip | 34229-2306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF2 |
| Legal Description | LOT 15, 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 | 15 |
| Jurisdiction | SARASOTA FL |
| Township / Civil Division | OSPREY-LAUREL-NOKOMIS |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 2102 |
3965 Waypoint Ave is owned and occupied by an individual who bought it in September 2018.
Source: Sarasota County records, as of January 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3965 WAYPOINT AVE, OSPREY, FL 34229-2306 |
| 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 |
|---|---|
| Jan 26, 2024 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| Sep 26, 2018 | Special Warranty Deed, Transfer · ARM FAIRWAY FUNDING GROUP INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2018 · Amount on File |
| Deed Sale | Sep 26, 2018 · Amount on File |
| Deed Document Number | 2018128019 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SARASOTA FL |
| Property Address | 3965 WAYPOINT AVE, OSPREY, FL 34229-2306 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3965 WAYPOINT AVE, OSPREY, FL 34229-2306 |
| Document Number | 0000010763 |
|---|---|
| Date | Jan 26, 2024 |
| Instrument | 2024010763 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | SARASOTA FL |
| Recording Date | Sep 26, 2018 |
| Property Address | 3965 WAYPOINT AVE, OSPREY, FL 34229-2306 |
| Document Number | 0000128019 |
| Map Reference | MB49 PG41-41D |
| Instrument Date | Sep 14, 2018 |
| Instrument | 2018128019 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,480.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 425 WOODLAND TRL, LINDENHURST, IL 60046-7958 |
| Document Number | 0000128020 |
|---|---|
| Date | Sep 26, 2018 |
| Instrument | 2018128020 |
| Name | FAIRWAY FUNDING GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Oct 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 8.5% |
| Index | 1-Year LIBOR |
| Max Rate | 11.5% |
The 2025 property tax bill for 3965 Waypoint Ave was $8,960 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 | $8,960.00 Homeowner's exemption | $817,952 | $890,600 Land $346,900 Building $543,700 |
| 2023 | $9,549.00 (+6.98%) Homeowner's exemption | $807,600 (+0.06%) Land $170,100 Building $637,500 | $807,600 (+0.06%) Land $170,100 Building $637,500 |
| 2022 | $8,926.00 | $807,100 Land $154,900 Building $652,200 | $807,100 Land $154,900 Building $652,200 |
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 3965 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 3965 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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