4125 89th St E, Palmetto, FL 34221 Property Records

Manatee County property record for 4125 89th St E, Palmetto, FL 34221

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 3,480 sqft · built 1976
Lot Size	1.9 acres (82,764 sqft)
Owner	2 Individual Names on Record
Last Sale	$635,000 (Mar 2026)
Tax Bill	$4,802 (2024)
Deeds & Mortgages	Aug 2025 Line of Credit Mar 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`6445-1000-0`

Property Details

APN / Parcel Number

Primary APN	`6445-1000-0`
Alternative APNs	`331820644510000` `0644510000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	3,480 sqft Living Area
Gross Area	4,104 sqft
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	82,764 sqft
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	0644510000
Street Address	4125 89TH ST E
City	PALMETTO
State	FL
Zip	34221-1689
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1 SUBURB
Legal Description	N 280 FT OF E 210 FT & S 140 FT OF N 420 FT OF E 210 FT OF BLK B RICHARDS SUB, LESS N 25 FT FOR RD R/W (AMLONG RD) PI#6445.1000/0
Legal Range	18E
Legal Township	33S
Legal Section	20
Legal Subdivision	RICHARDS
Legal Tract	00644200
Legal Block	B
Jurisdiction	MANATEE FL
Township / Civil Division	PARRISH
Census Block Group	1
Census Block	1003
Census Tract	1915

Owner

Source: Manatee County records, as of July 23, 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
Mailing Address	4125 89TH ST E, PALMETTO, FL 34221-1689
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2025	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Mar 6, 2026	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG
Feb 20, 2018	Warranty Deed, Transfer · Conventional Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2026 · Amount on Record
Deed Sale	Mar 6, 2026 · Amount on Record
Prior Sale	Feb 20, 2018 · Amount on Record
Deed Document Number	202625409
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	4125 89TH ST E, PALMETTO, FL 34221-1689
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4125 89TH ST E, PALMETTO, FL 34221-1689

Mortgage

Document Number	0041099953
Date	Aug 12, 2025
Instrument	202541099953

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	216 Months
Due	Aug 11, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Mar 6, 2026
Property Address	4125 89TH ST E, PALMETTO, FL 34221-1689
Document Number	0041025409
Map Reference	MB 1 PG 310
Instrument Date	Mar 2, 2026
Instrument	202641025409
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,445.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	700 HABEN BLVD, PALMETTO, FL 34221-4173

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4125 89TH ST E, PALMETTO, FL 34221-1689

Mortgage

Document Number	0041025410
Date	Mar 6, 2026
Instrument	202641025410

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	4125 89TH ST E, PALMETTO, FL 34221-1689
Document Number	0041001961
Instrument Date	Dec 30, 2020
Transaction Type	Mortgage
Record Updated	Feb 2, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4125 89TH ST E PALMETTO FL 342211689, PALMETTO, FL 34221-1689

Mortgage

Document Number	0041001961
Date	Jan 7, 2021
Instrument	41001961

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Jan 6, 2048

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Feb 20, 2018
Property Address	4125 89TH ST E, PALMETTO, FL 34221-1689
Document Number	0027146738
Book / Page	002714 / 006738
Instrument Date	Feb 20, 2018
Instrument	41016858
Transaction Type	Transfer
Record Updated	Mar 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,370.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4125 89TH ST E PALMETTO FL 342211689, PALMETTO, FL 34221-1689

Mortgage

Document Number	27146740
Date	Feb 20, 2018
Book Page	002714/006740
Instrument	41016859

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2048

Tax Assessment & Valuation

Source: Manatee County assessment roll, as of July 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$399,527 (+2.7%)	$687,529 (%) Land $110,925 Building $576,604
2025		$389,023 (+5.99%)	$687,563 (-2.18%) Land $110,925 Building $576,638
2024	$4,802.00 (+1.18%)
2023	$4,746.00 (+2.62%) Homeowner's exemption	$367,048 (+3%)	$702,872 (+23.67%) Land $110,925 Building $591,947
2022	$4,625.00 Homeowner's exemption	$356,357	$568,324 Land $50,750 Building $517,574

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 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 44 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	44 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2024 · Hurricane Milton

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	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	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

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, 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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