409 Rio Terra, Venice, FL 34285 Property Records

Sarasota County property record for 409 Rio Terra, Venice, FL 34285

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,930 sqft · built 2002
Lot Size	0.138 acres (6,050 sqft)
Owner	Individual Name on File
Last Sale	$442,500 (Sep 2020)
Tax Bill	$6,555 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0428-04-0033`

Property Details

APN / Parcel Number

Primary APN	`0428-04-0033`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,930 sqft Living Area
1st Floor Area	1,930 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Concrete
Lot Area	6,050 sqft (0.138 acres)
Garage Type	Attached
Garage Area	441 sqft

Exterior Amenities

Pool Area	242 sqft
Porch	Open Porch
Porch Area	453 sqft
Patio Area	234 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	409 RIO TERRA
City	VENICE
State	FL
Zip	34285-2954
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3
Legal Description	LOT 68 BELLAGIO ON VENICE ISLAND
Legal Range	19E
Legal Township	39S
Legal Section	17
Legal Subdivision	BELLAGIO ON VENICE ISLAND
Legal Tract	2797
Legal Lot Number	68
Jurisdiction	SARASOTA FL
Township / Civil Division	VENICE
Census Block Group	2
Census Block	2009
Census Tract	2404

Owner

409 Rio Terra is owned and occupied by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Co-owner	2 Co-owners on File
Mailing Address	409 RIO TERRA, VENICE, FL 34285-2954
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Sep 23, 2020 · Amount on File
Deed Sale	Sep 23, 2020 · Amount on File
Prior Sale	Apr 20, 2012 · Amount on File
Deed Document Number	2020130615
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARASOTA FL
Recording Date	Sep 23, 2020
Property Address	409 RIO TERRA, VENICE, FL 34285-2954
Document Number	0000130615
Map Reference	MB 41 PG 29
Instrument Date	Sep 15, 2020
Instrument	2020130615
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,097.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2825 WHITE HAVEN RD, 2825, CANASTOTA, NY 13032-3266

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 RIO TERRA, VENICE, FL 34285-2954

Mortgage

Document Number	0000130616
Date	Sep 23, 2020
Instrument	2020130616

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 409 Rio Terra was $6,555 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,555.00 Homeowner's exemption	$479,247	$558,600 Land $227,000 Building $331,600
2023	$6,273.00 (-0.81%) Homeowner's exemption	$452,176 (+3%)	$602,900 (+14.49%) Land $180,100 Building $422,800
2022	$6,324.00 Homeowner's exemption	$439,006	$526,600 Land $155,100 Building $371,500

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

Flood

FEMA maps place 409 Rio Terra 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 54 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	54 in force
Nearby Flood Claims	4 (2024)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 4 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 409 Rio Terra is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% 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	CITY OF VENICE WATER DEPT serves 31,358 people · EPA ID FL6581901
Water Source	Groundwater
Last State Inspection	Dec 2023
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	2 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 232 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Blue Stream.

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