412 40th St E, Palmetto, FL 34221 Property Records

Manatee County property record for 412 40th St E, Palmetto, FL 34221

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,386 sqft · built 1994
Lot Size	0.21 acres (9,191 sqft)
Owner	Individual Name on File
Last Sale	$157,900 (Feb 2006)
Tax Bill	$1,040 (2024)
Deeds & Mortgages	Sep 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22801.1010-3`

Property Details

APN / Parcel Number

Primary APN	`22801.1010-3`
Alternative APN	`3417012280110103`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,386 sqft Living Area
1st Floor Area	1,104 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1996
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,191 sqft (0.21 acres)
Terrain	Low
Parking Spaces	1 Parking Space
Patio Area	240 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	3417012280110103
Street Address	412 40TH ST E
City	PALMETTO
State	FL
Zip	34221-9532
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-6
Legal Description	LOT 57 BLOCK 3 PALMETTO COUNTRY CLUB ESTATES FIRST UNIT PI#22801.1010/3
Legal Range	17E
Legal Township	34S
Legal Section	01
Legal Subdivision	PALMETTO COUNTRY CLUB ESTATES FIRST UNIT
Legal Tract	2278600
Legal Block	3
Legal Lot Number	57
Jurisdiction	MANATEE FL
Township / Civil Division	PALMETTO
Census Block Group	2
Census Block	2014
Census Tract	1404

Owner

Source: Manatee County records · APN 22801.1010-3

Assessment roll updated July 1, 2025 · Last verified December 2025

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	412 40TH ST E, PALMETTO, FL 34221-9532
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 03, 2006 · Amount on Record
Deed Sale	Feb 03, 2006 · Amount on Record
Deed Document Number	2268821
Deed Book / Page	2099 / 5091
Record Updated	Jun 08, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	412 40TH ST E, PALMETTO, FL 34221-9532
Transaction Type	Mortgage
Record Updated	Oct 01, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 40TH ST E, PALMETTO, FL 34221-9532

Mortgage

Document Number	0041113832
Date	Sep 15, 2025
Instrument	202541113832

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2055

Tax Assessment & Valuation

Source: Manatee County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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		$100,453 (+5.99%)	$235,998 (+1.03%) Land $50,150 Building $185,848
2024	$1,040.00 (+3.69%)
2023	$1,003.00 (+4.7%) Homeowner's exemption	$94,779 (+3%)	$233,602 (+22.91%) Land $39,950 Building $193,652
2022	$958.00 Homeowner's exemption	$92,018	$190,062 Land $25,000 Building $165,062

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	4 (1981–1998)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Feb 1998 · Severe Storms, High Winds, Tornadoes, And Flooding

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 231 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.