4134 Osprey Harbour Loop, Cortez, FL 34215 Property Records

Manatee County property record for 4134 Osprey Harbour Loop, Cortez, FL 34215

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,912 sqft · built 2007
Lot Size	0.242 acres (10,549 sqft)
Owner	2 Individual Names on Record
Last Sale	$520,000 (Feb 2020)
Tax Bill	$7,528 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2020 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`75994-1005-9`

Property Details

APN / Parcel Number

Primary APN	`75994-1005-9`
Alternative APN	`3516037599410059`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,912 sqft Living Area
Gross Area	4,346 sqft
1st Floor Area	1,067 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

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	10,549 sqft (0.242 acres)
View / Lot	Standard
Garage Type	Attached
Garage Area	819 sqft
Parking Spaces	3 Parking Spaces
Pool Area	100 sqft
Porch	Screened Porch
Porch Area	548 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	4134 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 41 HARBOUR LANDINGS PI#75994.1005/9
Legal Range	16E
Legal Township	35S
Legal Section	03
Legal Subdivision	HARBOUR LANDINGS
Legal Tract	07599402
Legal Lot Number	41
Jurisdiction	MANATEE FL
Township / Civil Division	BRADENTON
Census Block Group	1
Census Block	1004
Census Tract	1107

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	4134 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Feb 18, 2020	Warranty Deed, Transfer · Conventional Mortgage HOME PT FIN'L
Feb 5, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Feb 5, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2020 · Amount on Record
Deed Sale	Feb 18, 2020 · Amount on Record
Prior Sale	Feb 5, 2018 · Amount on Record
Deed Document Number	202017509
Prior Transfer Date	Jan 23, 2018
Prior Transfer Doc	0000012053
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	4134 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593
Transaction Type	Mortgage
Record Updated	Jul 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4134 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593

Mortgage

Document Number	202141083907
Date	Jun 24, 2021
Instrument	202141083907

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Feb 18, 2020
Property Address	4134 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593
Document Number	0041017509
Instrument Date	Feb 14, 2020
Instrument	41017509
Transaction Type	Transfer
Record Updated	Mar 6, 2020
Title Company	NTC - KEY W

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,640.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4134 OSPREY HARBOUR LOOP CORTEZ FL 342152593, CORTEZ, FL 34215-2593

Mortgage

Document Number	41017510
Date	Feb 18, 2020
Instrument	41017510

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 17, 2050

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Feb 5, 2018
Property Address	4134 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593
Document Number	0027127913
Book / Page	002712 / 007913
Instrument Date	Jan 30, 2018
Instrument	41012052
Transaction Type	Transfer
Record Updated	Feb 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,710.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4134 OSPREY HARBOUR LOOP CORTEZ FL 342152593, CORTEZ, FL 34215-2593

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANATEE FL
Recording Date	Feb 5, 2018
Property Address	4134 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593
Document Number	0027127915
Book / Page	002712 / 007915
Instrument Date	Jan 23, 2018
Instrument	41012053
Transaction Type	Transfer
Record Updated	Feb 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4134 OSPREY HARBOUR LOOP CORTEZ FL 342152593, CORTEZ, FL 34215-2593

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		$562,255 (+2.7%)	$580,528 (-1.34%) Land $61,200 Building $519,328
2025	$7,528.00 (+3.05%)	$547,473 (+5.99%)	$588,433 (-2.58%) Land $61,200 Building $527,233
2024	$7,305.00 (+1.33%)
2023	$7,209.00 (+2.46%) Homeowner's exemption	$516,548 (+3%)	$604,001 (+20.44%) Land $61,200 Building $542,801
2022	$7,036.00 Homeowner's exemption	$501,503 Land $60,000 Building $441,503	$501,503 Land $60,000 Building $441,503

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 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

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	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.

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 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

4134 Osprey Harbour Loop, Cortez, FL 34215 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

February 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Osprey Harbour Loop

Nearby Streets

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