Manatee County property record for 4122 Osprey Harbour Loop, Cortez, FL 34215
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 2,068 sqft · built 2008 |
| Lot Size | 0.15 acres (6,549 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $773,000 (May 2023) |
| Tax Bill | $8,700 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Oct 2020 Transfer + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 75994-0990-9 |
| Primary APN | 75994-0990-9 |
|---|---|
| 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 |
| Elevator | Elevator |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Duplex Single |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 6,549 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 | 2 Parking Spaces |
| Porch | Screened Porch |
| Porch Area | 548 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 4122 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 38 HARBOUR LANDINGS PI#75994.0990/9 |
| Legal Range | 16E |
| Legal Township | 35S |
| Legal Section | 03 |
| Legal Subdivision | HARBOUR LANDINGS |
| Legal Tract | 07599402 |
| Legal Lot Number | 38 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | BRADENTON |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 1107 |
Source: Manatee County records, as of July 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 6608 CREEK WOOD DR, CHAPEL HILL, NC 27514-7442 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 22, 2023 | Warranty Deed, Transfer · Conventional Mortgage THIRD FSLA OF CLEVELAND |
| Oct 20, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Dec 7, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Jul 21, 2020 | Warranty Deed, Transfer · Conventional Mortgage SOUTHWEST FNDG |
| Jan 30, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 22, 2023 · Amount on Record |
| Deed Sale | May 22, 2023 · Amount on Record |
| Prior Sale | Jul 21, 2020 · Amount on Record |
| Deed Document Number | 202353721 |
| Prior Transfer Date | Dec 3, 2020 |
| Prior Transfer Doc | 0000134854 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | May 22, 2023 |
| Property Address | 4122 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593 |
| Document Number | 0041053721 |
| Map Reference | MB 37 PG 108 |
| Instrument Date | May 15, 2023 |
| Instrument | 202341053721 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,411.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6401 SW 109TH ST, OKLAHOMA CITY, OK 73173-7317 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6608 CREEK WOOD DR, CHAPEL HILL, NC 27514-7442 |
| Document Number | 0041053722 |
|---|---|
| Date | May 22, 2023 |
| Instrument | 202341053722 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.79% |
| Type Change Date | Jun 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3.79% |
| Max Rate At Change | 7.79% |
| Index | Prime Rate |
| Margin | 1 |
| Max Rate | 11.7% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Oct 20, 2020 |
| Property Address | 4122 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593 |
| Document Number | 0041113684 |
| Instrument Date | Oct 17, 2020 |
| Instrument | 41113684 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 6401 SW 109TH ST OKLAHOMA CITY OK 731737317, OKLAHOMA CITY, OK 73173-7317 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Dec 7, 2020 |
| Property Address | 4122 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593 |
| Document Number | 0041134854 |
| Instrument Date | Oct 3, 2020 |
| Instrument | 41134854 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6401 SW 109TH ST OKLAHOMA CITY OK 731737317, OKLAHOMA CITY, OK 73173-7317 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Jul 21, 2020 |
| Property Address | 4122 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593 |
| Document Number | 0041074242 |
| Instrument Date | Jul 15, 2020 |
| Instrument | 41074242 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,206.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 6401 SW 109TH ST OKLAHOMA CITY OK 731737317, OKLAHOMA CITY, OK 73173-7317 |
| Document Number | 41074243 |
|---|---|
| Date | Jul 21, 2020 |
| Instrument | 41074243 |
| Name | SOUTHWEST FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 20, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Jan 30, 2018 |
| Property Address | 4122 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593 |
| Document Number | 0027120222 |
| Book / Page | 002712 / 000222 |
| Instrument Date | Jan 30, 2018 |
| Instrument | 41009596 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 4122 OSPREY HARBOUR LOOP CORTEZ FL 342152593, CORTEZ, FL 34215-2593 |
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 | $593,921 (-0.21%) Land $61,200 Building $532,721 | $593,921 (-0.21%) Land $61,200 Building $532,721 | |
| 2025 | $8,700.00 (-0.84%) | $595,184 (-1.29%) Land $61,200 Building $533,984 | $595,184 (-1.29%) Land $61,200 Building $533,984 |
| 2024 | $8,774.00 (-3.41%) | ||
| 2023 | $9,084.00 (+21.95%) | $602,946 (+19.06%) Land $61,200 Building $541,746 | $602,946 (+19.06%) Land $61,200 Building $541,746 |
| 2022 | $7,449.00 | $506,434 Land $60,000 Building $446,434 | $506,434 Land $60,000 Building $446,434 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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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