Manatee County property record for 4138 Osprey Harbour Loop, Cortez, FL 34215
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 2,361 sqft · built 2006 |
| Lot Size | 0.353 acres (15,384 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $512,000 (Jul 2018) |
| Tax Bill | $8,471 (2025) |
| Deeds & Mortgages | Dec 2023 Transfer Jul 2018 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 75994-1010-9 |
| Primary APN | 75994-1010-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,361 sqft Living Area |
| Gross Area | 4,838 sqft |
| 1st Floor Area | 1,275 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 15,384 sqft (0.353 acres) |
| View / Lot | Lake Front |
| Garage Type | Attached |
| Garage Area | 634 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 568 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 4138 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 42 HARBOUR LANDINGS PI#75994.1010/9 |
| Legal Range | 16E |
| Legal Township | 35S |
| Legal Section | 03 |
| Legal Subdivision | HARBOUR LANDINGS |
| Legal Tract | 07599402 |
| Legal Lot Number | 42 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Trust Names on Record |
|---|---|
| Mailing Address | 4138 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Dec 1, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jul 11, 2018 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 11, 2018 · Amount on Record |
| Deed Sale | Jul 11, 2018 · Amount on Record |
| Prior Sale | Mar 1, 2016 · Amount on Record |
| Deed Document Number | 201870849 |
| Deed Book / Page | 2737 / 5425 |
| Prior Transfer Date | Aug 10, 2011 |
| Prior Transfer Doc | 0002948155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Dec 1, 2023 |
| Property Address | 4138 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593 |
| Document Number | 0041127246 |
| Map Reference | MB 37 PG 108 |
| Instrument Date | Nov 30, 2023 |
| Instrument | 202341127246 |
| Transaction Type | Transfer |
| Record Updated | Dec 25, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4138 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 4138 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Jul 11, 2018 |
| Property Address | 4138 OSPREY HARBOUR LOOP, CORTEZ, FL 34215-2593 |
| Document Number | 0027375425 |
| Book / Page | 002737 / 005425 |
| Instrument Date | Jul 5, 2018 |
| Instrument | 41070849 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,584.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 16 HONEYMAN RD BASKING RIDGE NJ 079203820, BASKING RIDGE, NJ 07920-3820 |
| Document Number | 27375428 |
|---|---|
| Date | Jul 11, 2018 |
| Book Page | 002737/005428 |
| Instrument | 41070850 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 10, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
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 | $606,455 (-1.03%) Land $66,300 Building $540,155 | $606,455 (-1.03%) Land $66,300 Building $540,155 | |
| 2025 | $8,471.00 (-0.76%) Homeowner's exemption | $612,736 (-2.01%) Land $66,300 Building $546,436 | $612,736 (-2.01%) Land $66,300 Building $546,436 |
| 2024 | $8,536.00 (-1.33%) | ||
| 2023 | $8,651.00 (+12.64%) | $625,297 (+19.35%) Land $66,300 Building $558,997 | $625,297 (+19.35%) Land $66,300 Building $558,997 |
| 2022 | $7,680.00 | $523,904 Land $65,000 Building $458,904 | $523,904 Land $65,000 Building $458,904 |
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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