400 Elder St, Englewood, FL 34223 Property Records

Sarasota County property record for 400 Elder St, Englewood, FL 34223

Property Summary

Property Type	Duplex
Details	2 bd · 1 ba · 884 sqft · built 1985
Lot Size	0.092 acres (4,000 sqft)
Owner	Individual Name on File
Last Sale	$118,000 (Aug 2026)
Tax Bill	$1,081 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0851-03-1228`

Property Details

APN / Parcel Number

Primary APN	`0851-03-1228`
Alternative APN	`851031228`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	884 sqft Living Area
Gross Area	1,334 sqft
1st Floor Area	884 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1995
Architectural Style	Duplex Single
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,000 sqft (0.092 acres)
View / Lot	Mainland
Garage Type	Attached
Garage Area	350 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	100 sqft
Deck Area	70 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0851031228
Street Address	400 ELDER ST
City	ENGLEWOOD
State	FL
Zip	34223-6153
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RSF3
Legal Description	UNIT 228 FOXWOOD
Legal Range	20E
Legal Township	40S
Legal Section	30
Legal Subdivision	FOXWOOD
Legal Tract	7795
Legal Unit	228
Jurisdiction	SARASOTA FL
Township / Civil Division	ENGLEWOOD
Census Block Group	2
Census Block	2018
Census Tract	2604

Owner

400 Elder St, a duplex, is owned and occupied by an individual who bought it in August 2026.

Source: Sarasota County records, as of September 2, 2026

Owner of Record	Individual Name on File
Mailing Address	400 ELDER ST, 228, ENGLEWOOD, FL 34223-6153
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 13, 2018	Warranty Deed, Transfer · ARM FLORIDA COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2026 · Amount on File
Deed Sale	Aug 21, 2026 · Amount on File
Prior Sale	Sep 13, 2018 · Amount on File
Deed Document Number	2026114202
Prior Transfer Date	Feb 25, 2004
Prior Transfer Doc	0000044019
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARASOTA FL
Recording Date	Aug 21, 2026
Property Address	400 ELDER ST, ENGLEWOOD, FL 34223-6153
Document Number	0000114202
Instrument Date	Aug 20, 2026
Instrument	2026114202
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	SUNBELT TITLE COMPANY, SUNBELT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$83,426.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 ELDER ST, 228, ENGLEWOOD, FL 34223-6153

Mortgage

Document Number	0000114203,
Date	Aug 21, 2026
Instrument	2026114203

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARASOTA FL
Recording Date	Sep 13, 2018
Property Address	400 ELDER ST, ENGLEWOOD, FL 34223-6153
Document Number	0000122408
Map Reference	MB22 PG7&7A-7F
Instrument Date	Sep 12, 2018
Instrument	2018122408
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	FLORIDA ABSTRACT & SECURITY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$910.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 ELDER ST, 400, ENGLEWOOD, FL 34223-6153

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 ELDER ST, ENGLEWOOD, FL 34223-6153

Mortgage

Document Number	0000122409
Date	Sep 13, 2018
Instrument	2018122409

Lender

Name	FLORIDA COMMUNITY BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Oct 1, 2025
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

Tax Assessment & Valuation

The 2025 property tax bill for 400 Elder St was $1,081 with exemptions applied.

Source: Sarasota County assessment roll, as of December 10, 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	$1,081.00 Homeowner's exemption Widower's exemption	$79,891	$141,600 Building $141,600
2023	$859.00 (-8.62%) Homeowner's exemption Widower's exemption	$67,978 (-7.38%)	$147,800 (+6.56%) Building $147,800
2022	$940.00 Homeowner's exemption Widower's exemption	$73,398	$138,700 Building $138,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 400 Elder St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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 File median of 96 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	96 in force
Nearby Flood Claims	56 (1992–2022)
Claims Outside the SFHA	21 of 56
Most Recent Claim	Dec 2022 · Seminole Tribe Of Florida Tropical Storm Nicole
Claims by Event	Hurricane Ian, Sep 2022 · 13 claims Hurricane Ian, Sep 2022 · 12 claims Severe Storms And Flooding, Jun 2003 · 2 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

Wildfire risk around 400 Elder St is high, ranking above 86% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 86% of the US · above 78% of Florida
Wildfire Likelihood	0.7% 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	ENGLEWOOD WATER DIST public/private · serves 38,265 people · EPA ID FL6580531
Water Source	Groundwater
Lead	6 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 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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