411 Vanderkloot Dr, Osprey, FL 34229 Property Records

Sarasota County property record for 411 Vanderkloot Dr, Osprey, FL 34229

Property Summary

Property Type	Other Improved
Details	5 bd · 4 ba · 4,265 sqft · built 1997
Lot Size	0.876 acres (38,183 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,400,000 (Jun 2014)
Tax Bill	$16,219 (2025)
Deeds & Mortgages	Feb 2025 Line of Credit Feb 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0159-09-0002`

Property Details

APN / Parcel Number

Primary APN	`0159-09-0002`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,265 sqft Total Area
1st Floor Area	4,530 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2012
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Metal
Lot Area	38,183 sqft (0.876 acres)
Lot Dimensions	323 ft deep x 113 ft wide
View / Lot	Water
Garage Type	Attached
Garage Area	814 sqft

Exterior Amenities

Pool Area	481 sqft
Porch	Porch
Porch Area	1,080 sqft
Deck Area	90 sqft
Patio Area	1,730 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	411 VANDERKLOOT DR
City	OSPREY
State	FL
Zip	34229-9679
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	RSF1
Legal Description	COM AT SLY COR LOT 6, BLK E, TH N 58-43-50 W ALG SWLY LINE LOT 6 A DISTANCE OF 24.96 FT TH SLY ALONG CURVE TO LEFT 26.19 FT F
Legal Range	18E
Legal Township	38S
Legal Section	22
Legal Subdivision	SORRENTO SHORES REPLAT OF 2
Legal Tract	1008
Legal Block	E
Legal Lot Number	6,25,A
Jurisdiction	SARASOTA FL
Township / Civil Division	OSPREY-LAUREL-NOKOMIS
Census Block Group	1
Census Block	1002
Census Tract	2204

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	411 VANDERKLOOT DR, OSPREY, FL 34229-9679
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2025	Deed of Trust, Mortgage · Line of Credit SERVISFIRST BANK
Feb 23, 2017	Deed of Trust, Mortgage · ARM CORE BANK
Nov 2, 2021	Lease, Transfer
Jul 13, 2020	Deed of Trust, Mortgage IBERIABANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2014 · Amount on Record
Deed Sale	Jun 24, 2014 · Amount on Record
Prior Sale	Jun 30, 2000 · Amount on Record
Deed Document Number	2014074780
Record Updated	Jun 8, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARASOTA FL
Property Address	411 VANDERKLOOT DR, OSPREY, FL 34229-9679
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 VANDERKLOOT DR, OSPREY, FL 34229-9679

Mortgage

Document Number	0000021243
Date	Feb 11, 2025
Instrument	2025021243

Lender

Name	SERVISFIRST BANK
Type	Bank
Address	TAMPA, FL 33607

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARASOTA FL
Property Address	411 VANDERKLOOT DR, OSPREY, FL 34229-9679
Transaction Type	Mortgage
Record Updated	Nov 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022275
Date	Feb 23, 2017
Instrument	2017022275

Lender

Name	CORE BANK
Type	Bank
Address	OMAHA, NE 68164

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Mar 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.75%
Index	1-Year LIBOR
Max Rate	9.75%

November 2021: Lease, Transfer

Document Type	Lease
Jurisdiction	SARASOTA FL
Recording Date	Nov 2, 2021
Property Address	411 VANDERKLOOT DR, OSPREY, FL 34229-9679
Document Number	0000198747
Instrument Date	Oct 12, 2021
Instrument	2021198747
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7978 COOPER CREEK BLVD # BLVD100, BLVD100, UNIVERSITY PARK, FL 34201-2159

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 VANDERKLOOT DR, OSPREY, FL 34229-9679

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARASOTA FL
Property Address	411 VANDERKLOOT DR, OSPREY, FL 34229-9679
Document Number	0000094481
Instrument Date	Jul 13, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	411 VANDERKLOOT DR LONGBOAT KEY FL 34228, LONGBOAT KEY, FL 34228

Mortgage

Document Number	0000094481
Date	Jul 17, 2020
Instrument	94481

Lender

Name	IBERIABANK
Type	Bank
Address	165 MADISON AVE, MEMPHIS, TN 38103-2723

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%

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	$16,219.00 (+1.24%) Homeowner's exemption	$1,446,949 (+5.99%)	$2,259,800 (-17.5%) Land $1,312,800 Building $947,000
2023	$16,020.00 (+16.64%) Homeowner's exemption	$1,365,214 (+17.56%)	$2,739,200 (+37.44%) Land $1,619,200 Building $1,120,000
2022	$13,735.00 Homeowner's exemption	$1,161,286	$1,993,000 Land $978,500 Building $1,014,500

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

Flood

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 199 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	345 units insured incl. 146 condo units
Nearby Flood Claims	19 (2023–2026)
Most Recent Claim	Feb 2026 · other causes
Claims by Event	Hurricane Milton, Oct 2024 · 6 claims Hurricane Helene, Sep 2024 · 10 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

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	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 56 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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