4118 Osprey Harbour Loop, Cortez, FL 34215 Property Records

Manatee County property record for 4118 Osprey Harbour Loop, Cortez, FL 34215

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,898 sqft · built 2006
Lot Size	0.15 acres (6,548 sqft)
Owner	Individual Name on File
Last Sale	$500,000 (May 2018)
Tax Bill	$8,078 (2024)
Deeds & Mortgages	May 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`75994-0985-9`

Property Details

APN / Parcel Number

Primary APN	`75994-0985-9`
Alternative APN	`3516037599409859`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,898 sqft Living Area
Gross Area	4,332 sqft
1st Floor Area	1,067 sqft
Elevator	Elevator

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2008
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	3 Parking Spaces
Porch	Screened Porch
Porch Area	548 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	4118 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 37 HARBOUR LANDINGS PI#75994.0985/9
Legal Range	16E
Legal Township	35S
Legal Section	03
Legal Subdivision	HARBOUR LANDINGS
Legal Tract	07599402
Legal Lot Number	37
Jurisdiction	MANATEE FL
Township / Civil Division	BRADENTON
Census Block Group	1
Census Block	1004
Census Tract	1107

Owner

Source: Manatee County records · APN 75994-0985-9

Assessment roll updated August 25, 2025 · Last verified May 2026

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

Owner of Record	Individual Name on File
Mailing Address	4134 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 04, 2018 · Amount on Record
Deed Sale	May 04, 2018 · Amount on Record
Deed Document Number	201845511
Deed Book / Page	2726 / 6074
Prior Transfer Date	Mar 04, 2010
Prior Transfer Doc	0023310907
Record Updated	Jun 08, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	May 04, 2018
Property Address	4118 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593
Document Number	0027266074
Book / Page	2726 / 6074
Map Reference	MB37 PG108-116
Instrument Date	May 04, 2018
Instrument	201841045511
Transaction Type	Transfer
Record Updated	May 13, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1544 HORSCHSHOE RIDGE RD, 1544, CHESTERFIELD, MO 63005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4188 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593

Mortgage

Document Number	201841045512
Date	May 04, 2018
Instrument	201841045512

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2048

Tax Assessment & Valuation

Source: Manatee County records · Assessment roll updated August 25, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Florida
County	Manatee County
Unified School District	Manatee County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$555,342 (-2.32%) Land $61,200 Building $494,142	$555,342 (-2.32%) Land $61,200 Building $494,142
2024	$8,078.00 (+2.28%)
2023	$7,898.00 (+12.48%)	$568,557 (+18.96%) Land $61,200 Building $507,357	$568,557 (+18.96%) Land $61,200 Building $507,357
2022	$7,022.00	$477,925 Land $60,000 Building $417,925	$477,925 Land $60,000 Building $417,925

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 2, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 Record 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	Hurricane Milton, Oct 2024 · 18 claims Hurricane Helene, Sep 2024 · 144 claims Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle, Sep 2001 · 11 claims

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

Based on FCC filings for 133 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MANATEE COUNTY UTILITIES DEPT serves 347,800 people
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2022) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.