4105 Tern St, Sarasota, FL 34232 Property Records

Sarasota County property record for 4105 Tern St, Sarasota, FL 34232

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 838 sqft · built 1984
Lot Size	0.198 acres (8,646 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Jun 2007)
Tax Bill	$845 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
APN	`0061-07-0064`

Property Details

APN / Parcel Number

Primary APN	`0061-07-0064`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	838 sqft Living Area
1st Floor Area	838 sqft
2nd Floor Area	336 sqft
Upper Floors Area	336 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1994
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,646 sqft (0.198 acres)
Lot Dimensions	108 ft deep x 70 ft wide
Garage Type	Mixed
Garage Area	252 sqft
Carport	Carport
Carport Area	340 sqft
Porch	Finished/Screened Porch
Porch Area	144 sqft
Patio Area	225 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4105 TERN ST
City	SARASOTA
State	FL
Zip	34232-4947
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3
Legal Description	LOT 299 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	299
Legal Unit	3
Jurisdiction	SARASOTA FL
Township / Civil Division	SARASOTA
Census Block Group	2
Census Block	2006
Census Tract	1504

Owner

4105 Tern St is owned and occupied by an individual who acquired it in October 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4105 TERN ST, SARASOTA, FL 34232-4947
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	2 Names on Deed
Last Sale	Jun 21, 2007 · Amount on File
Deed Sale	Jun 21, 2007 · Amount on File
Prior Sale	Jun 21, 2007 · Amount on File
Deed Document Number	0000099583
Last Transfer Date	Oct 15, 2021
Transfer Doc	0000188215
Record Updated	Jun 8, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SARASOTA FL
Recording Date	Oct 15, 2021
Property Address	4105 TERN ST, SARASOTA, FL 34232-4947
Document Number	0000188215
Map Reference	MB 8 PG 7
Instrument Date	Aug 19, 2021
Instrument	2021188215
Transaction Type	Transfer
Record Updated	Oct 26, 2021
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4105 TERN ST, SARASOTA, FL 34232-4947

Mortgage

Document Number	0000188216
Date	Oct 15, 2021
Instrument	2021188216

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Sep 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 4105 Tern St was $845 with a homeowner's exemption.

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	$845.00 Homeowner's exemption	$110,690	$251,500 Land $131,900 Building $119,600
2023	$1,439.00 (+5.19%) Homeowner's exemption	$103,022 (+3%)	$247,300 (+7.06%) Land $105,500 Building $141,800
2022	$1,368.00 Homeowner's exemption	$100,021	$231,000 Land $103,100 Building $127,900

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA's flood maps do not cover 4105 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 100 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

Wildfire risk around 4105 Tern St 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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 581 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