Manatee County property record for 4114 Osprey Harbour Loop, Cortez, FL 34215
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 2,068 sqft · built 2007 |
| Lot Size | 0.15 acres (6,548 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $799,000 (Jun 2022) |
| Tax Bill | $8,076 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 75994-0980-9 |
| Primary APN | 75994-0980-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,068 sqft Living Area |
| Gross Area | 4,502 sqft |
| 1st Floor Area | 1,067 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Duplex Single |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 6,548 sqft (0.15 acres) |
| Lot Dimensions | 130 ft deep x 50 ft wide |
| View / Lot | Standard |
| Garage Type | Attached |
| Garage Area | 819 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Screened Porch |
| Porch Area | 548 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 4114 OSPREY HARBOUR LOOP |
|---|---|
| City | CORTEZ |
| State | FL |
| Zip | 34215-2593 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | PD-R |
| Legal Description | LOT 36 HARBOUR LANDINGS PI#75994.0980/9 |
| Legal Range | 16E |
| Legal Township | 35S |
| Legal Section | 03 |
| Legal Subdivision | HARBOUR LANDINGS |
| Legal Tract | 07599402 |
| Legal Lot Number | 36 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | BRADENTON |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 1107 |
4114 Osprey Harbour Loop, a duplex, is owned and occupied by two individuals who bought it in June 2022.
Source: Manatee County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4114 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593 |
| 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 |
|---|---|
| Jun 15, 2022 | Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK NA |
| Jul 26, 2021 | Warranty Deed, Transfer · VA Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 15, 2022 · Amount on File |
| Deed Sale | Jun 15, 2022 · Amount on File |
| Prior Sale | Jul 26, 2021 · Amount on File |
| Deed Document Number | 202278699 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Jun 15, 2022 |
| Property Address | 4114 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593 |
| Document Number | 0041078699 |
| Map Reference | MB 37 PG 108 |
| Instrument Date | Jun 14, 2022 |
| Instrument | 202241078699 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2022 |
| Title Company | BARNES WALKER TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,593.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1082, CORTEZ, FL 34215-1082 |
| Name | Verified Name |
|---|---|
| Address | 4114 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593 |
| Document Number | 0041078700 |
|---|---|
| Date | Jun 15, 2022 |
| Instrument | 202241078700 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Jul 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.25% |
| Index | 1-Year CMT |
| Max Rate | 9.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Jul 26, 2021 |
| Property Address | 4114 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593 |
| Document Number | 202141098200 |
| Map Reference | MB 37 PG 108 |
| Instrument Date | Jul 12, 2021 |
| Instrument | 202141098200 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,920.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4114 OSPREY HARBOUR LOOP, 4114, CORTEZ, FL 34215-2593 |
| Name | Verified Name |
|---|---|
| Address | 4114 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593 |
| Document Number | 202141098201 |
|---|---|
| Date | Jul 26, 2021 |
| Instrument | 202141098201 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
The 2025 property tax bill for 4114 Osprey Harbour Loop was $8,076 with a homeowner's exemption, down 0.9% from the year before.
Source: Manatee County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Manatee County |
| Unified School District | Manatee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $579,945 (-1.18%) Land $61,200 Building $518,745 | $579,945 (-1.18%) Land $61,200 Building $518,745 | |
| 2025 | $8,076.00 (-0.93%) Homeowner's exemption | $586,850 Land $61,200 Building $525,650 | $586,850 Land $61,200 Building $525,650 |
| 2024 | $8,152.00 (-8.48%) | ||
| 2023 | $8,907.00 (+27.97%) | $600,657 (+20.23%) Land $61,200 Building $539,457 | $600,657 (+20.23%) Land $61,200 Building $539,457 |
| 2022 | $6,960.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $499,587 Land $60,000 Building $439,587 | $499,587 Land $60,000 Building $439,587 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4114 Osprey Harbour Loop in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 2, 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 | 8.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 387 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 857 units insured incl. 470 condo units |
| Nearby Flood Claims | 210 (1982–2024) |
| Most Recent Claim | Nov 2024 · rainfall accumulation |
| 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.
Wildfire risk around 4114 Osprey Harbour Loop 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 99.8% of the US · lower than 99.7% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MANATEE COUNTY UTILITIES DEPT serves 347,800 people · EPA ID FL6411132 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2022) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 133 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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