3977 Waypoint Ave, Osprey, FL 34229 Property Records

Sarasota County property record for 3977 Waypoint Ave, Osprey, FL 34229

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,115 sqft · built 2018
Lot Size	0.2 acres (8,726 sqft)
Owner	Individual Name on Record
Last Sale	$496,000 (Jan 2019)
Tax Bill	$8,636 (2025)
Deeds & Mortgages	Jan 2019 Sale & Mortgage
APN	`0148-15-0022`

Property Details

APN / Parcel Number

Primary APN	`0148-15-0022`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,115 sqft Living Area
1st Floor Area	2,115 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	8,726 sqft (0.2 acres)
Garage Type	Attached
Garage Area	588 sqft
Porch	Open Porch
Porch Area	525 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3977 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 12, 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	12
Jurisdiction	SARASOTA FL
Township / Civil Division	OSPREY-LAUREL-NOKOMIS
Census Block Group	3
Census Block	3013
Census Tract	2102

Owner

Source: Sarasota County records, as of January 12, 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
Co-owner	Co-owner on Record
Mailing Address	3977 WAYPOINT AVE, OSPREY, FL 34229-2306
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2019 · Amount on Record
Deed Sale	Jan 15, 2019 · Amount on Record
Deed Document Number	2019005286
Record Updated	Jun 8, 2026

January 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SARASOTA FL
Recording Date	Jan 15, 2019
Property Address	3977 WAYPOINT AVE, OSPREY, FL 34229-2306
Document Number	0000005286
Map Reference	MB 49 PG 41-41D
Instrument Date	Nov 19, 2018
Instrument	2019005286
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,472.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	551 N CATTLEMEN RD STE 200, 551, SARASOTA, FL 34232-6451

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3977 WAYPOINT AVE, OSPREY, FL 34229-2306
Investor	Possibly a Property Investor

Mortgage

Document Number	0000005287
Date	Jan 15, 2019
Instrument	2019005287

Lender

Name	METRO CITY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Feb 1, 2024
Change Frequency	Annually
Min Rate At Change	5.12%
Max Rate At Change	7.62%
Index	1-Year CMT
Max Rate	7.62%

Tax Assessment & Valuation

Source: Sarasota County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Sarasota County
Unified School District	Sarasota County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,636.00 (+6.97%)	$796,500 (+13.22%) Land $358,300 Building $438,200	$796,500 (+13.22%) Land $358,300 Building $438,200
2023	$8,073.00 (+3.12%)	$703,500 (-0.31%) Land $175,700 Building $527,800	$703,500 (-0.31%) Land $175,700 Building $527,800
2022	$7,829.00	$705,700 Land $160,000 Building $545,700	$705,700 Land $160,000 Building $545,700

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record 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	Hurricane Milton, Oct 2024 · 6 claims Hurricane Debby, Aug 2024 · 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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