Sarasota County property record for 403 Gowdy Rd, Sarasota, FL 34237
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 4 ba · 384 sqft · built 2021 |
| Lot Size | 0.035 acres (1,551 sqft) |
| Owner | Individual Name on File |
| Last Sale | $865,000 (Oct 2023) |
| Tax Bill | $8,246 (2025) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage May 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 2029-14-0096 |
| Primary APN | 2029-14-0096 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 3 Stories |
| Building Area | 384 sqft Living Area |
| Upper Floors Area | 1,666 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 1,551 sqft (0.035 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 403 GOWDY RD |
|---|---|
| City | SARASOTA |
| State | FL |
| Zip | 34237-4751 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | DTE |
| Legal Description | LOT 75, PAYNE PARK VILLAGE PH 1, PB 52 PG 221-227 |
| Legal Range | 18E |
| Legal Township | 36S |
| Legal Section | 20 |
| Legal Phase | 1 |
| Legal Tract | 3287 |
| Legal Block | 1 |
| Legal Lot Number | 75 |
| Jurisdiction | SARASOTA FL |
| Township / Civil Division | SARASOTA |
| Census Block Group | 3 |
| Census Block | 3036 |
| Census Tract | 102 |
403 Gowdy Rd, a duplex, is owned and occupied by an individual who bought it in October 2023.
Source: Sarasota County records, as of January 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 403 GOWDY RD, SARASOTA, FL 34237-4751 |
| 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 |
|---|---|
| Oct 23, 2023 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| May 18, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2023 · Amount on File |
| Deed Sale | Oct 23, 2023 · Amount on File |
| Prior Sale | May 18, 2021 · Amount on File |
| Deed Document Number | 2023160617 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SARASOTA FL |
| Recording Date | Oct 23, 2023 |
| Property Address | 403 GOWDY RD, SARASOTA, FL 34237-4751 |
| Document Number | 0000160617 |
| Map Reference | MB 52 PG 221-227 |
| Instrument Date | Oct 23, 2023 |
| Instrument | 2023160617 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2023 |
| Title Company | CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,055.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 44 EDGEWOOD AVE, LARCHMONT, NY 10538-2336 |
| Name | Verified Name |
|---|---|
| Address | 407 GOWDY RD, SARASOTA, FL 34237-4751 |
| Document Number | 0000160618 |
|---|---|
| Date | Oct 23, 2023 |
| Instrument | 2023160618 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SARASOTA FL |
| Recording Date | May 18, 2021 |
| Property Address | 403 GOWDY RD, SARASOTA, FL 34237-4751 |
| Document Number | 0000092663 |
| Map Reference | MB 52 PG 221-227 |
| Instrument Date | May 13, 2021 |
| Instrument | 2021092663 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 4, 2022 |
| Title Company | TOWN SQUARE TITLE LIMITED, TOWN SQUARE TITLE LTD |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,780.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3903 NORTHDALE BLVD # BLVD280E, 3903, TAMPA, FL 33624-1864 |
| Name | Verified Name |
|---|---|
| Address | 4 STAFFORD PL, LARCHMONT, NY 10538-2722 |
| Document Number | 0000092664 |
|---|---|
| Date | May 18, 2021 |
| Instrument | 2021092664 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
The 2025 property tax bill for 403 Gowdy Rd was $8,246 with a homeowner's exemption.
Source: Sarasota County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Sarasota County |
| Municipality | Sarasota City |
| Unified School District | Sarasota County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,246.00 Homeowner's exemption | $594,248 | $610,800 Land $233,400 Building $377,400 |
| 2023 | $7,458.00 (+11.73%) Homeowner's exemption | $497,400 (+15.62%) Land $190,000 Building $307,400 | $497,400 (+15.62%) Land $190,000 Building $307,400 |
| 2022 | $6,675.00 | $430,200 Land $140,200 Building $290,000 | $430,200 Land $140,200 Building $290,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 403 Gowdy Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 3, 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 | 21.2 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 112 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 211 units insured incl. 99 condo units |
| Nearby Flood Claims | 14 (1979–2024) |
| Claims Outside the SFHA | 2 of 14 |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| 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.
The area around 403 Gowdy Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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-CITY OF serves 55,364 people · EPA ID FL6580326 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | 1 ppb (2025) 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 314 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 | 1,000 / 75 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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