4045 Tern St, Sarasota, FL 34232 Property Records

Sarasota County property record for 4045 Tern St, Sarasota, FL 34232

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,164 sqft · built 1963
Lot Size	0.173 acres (7,560 sqft)
Owner	2 Individual Names on File
Last Sale	$211,000 (Apr 2018)
Tax Bill	$2,991 (2025)
Deeds & Mortgages	Apr 2018 Sale & Mortgage Oct 2017 Sale + 1 more
APN	`0061-07-0056`

Property Details

APN / Parcel Number

Primary APN	`0061-07-0056`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,164 sqft Living Area
1st Floor Area	1,164 sqft
Flooring	Terrazzo
Interior Walls	Plaster

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,560 sqft (0.173 acres)
Lot Dimensions	108 ft deep x 70 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	240 sqft
Porch	Open Porch
Porch Area	260 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4045 TERN ST
City	SARASOTA
State	FL
Zip	34232-4945
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3
Legal Description	LOT 308 SARASOTA SPRINGS UNIT 3
Legal Range	18E
Legal Township	36S
Legal Section	34
Legal Subdivision	SARASOTA SPRINGS UNIT 03
Legal Tract	1154
Legal Lot Number	308
Legal Unit	3
Jurisdiction	SARASOTA FL
Township / Civil Division	SARASOTA
Census Block Group	2
Census Block	2006
Census Tract	1504

Owner

4045 Tern St is owned by two individuals who bought it in April 2018.

Source: Sarasota County records, as of January 12, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	1466 FLEETWOOD DR, SARASOTA, FL 34232-3314
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2018	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Oct 6, 2017	Grant Deed, Transfer BUYERS TITLE
Jun 26, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2018 · Amount on File
Deed Sale	Apr 5, 2018 · Amount on File
Prior Sale	Oct 6, 2017 · Amount on File
Deed Document Number	2018043520
Record Updated	Jun 8, 2026

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARASOTA FL
Recording Date	Apr 5, 2018
Property Address	4045 TERN ST, SARASOTA, FL 34232-4945
Document Number	0000043520
Instrument Date	Apr 2, 2018
Instrument	43520
Transaction Type	Transfer
Record Updated	Apr 13, 2018
Title Company	SUNCOAST TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,477.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1466 FLEETWOOD DR SARASOTA FL 342323314, SARASOTA, FL 34232-3314

Mortgage

Document Number	43521
Date	Apr 5, 2018
Instrument	43521

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 4, 2048

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SARASOTA FL
Recording Date	Oct 6, 2017
Property Address	4045 TERN ST, SARASOTA, FL 34232-4945
Document Number	0000124407
Instrument Date	Sep 26, 2017
Instrument	124407
Transaction Type	Transfer
Record Updated	Oct 23, 2017
Title Company	BUYERS TITLE

Transaction

Amount	Amount on Record
Tax	$1,120.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2318 MCCLELLAN PKWY SARASOTA FL 342393713, SARASOTA, FL 34239-3713

June 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SARASOTA FL
Recording Date	Jun 26, 2017
Property Address	4045 TERN ST, SARASOTA, FL 34232-4945
Document Number	0000079771
Instrument Date	Jun 13, 2017
Instrument	79771
Transaction Type	Foreclosure
Record Updated	Jul 6, 2017

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	PO BOX 650043 DALLAS TX 752650043, DALLAS, TX 75265-0043
Investor	Possibly a Property Investor

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	$2,991.00 (+226.17%)	$260,700 (-5.78%) Land $109,200 Building $151,500	$260,700 (-5.78%) Land $109,200 Building $151,500
2023	$917.00 (-1.71%)	$276,700 (+8%) Land $98,700 Building $178,000	$276,700 (+8%) Land $98,700 Building $178,000
2022	$933.00	$256,200 Land $96,800 Building $159,400	$256,200 Land $96,800 Building $159,400

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

Flood

FEMA's flood maps do not cover 4045 Tern St; there have been 4 flood claims nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Outside mapped area
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on File median of 19 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	4 (2003–2018)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Dec 2018 · rainfall accumulation
Claims by Event	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

The area around 4045 Tern St 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.

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 304 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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