4315 89th St E, Palmetto, FL 34221 Property Records

Manatee County property record for 4315 89th St E, Palmetto, FL 34221

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,782 sqft · built 1978
Lot Size	6.37 acres (277,791 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (Jul 2017)
Tax Bill	$3,900 (2024)
Deeds & Mortgages	Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6444-1205-9`

Property Details

APN / Parcel Number

Primary APN	`6444-1205-9`
Alternative APN	`331820644412059`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,782 sqft Living Area
Gross Area	2,300 sqft
1st Floor Area	1,782 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1998
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	277,791 sqft (6.37 acres)
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Pool Area	324 sqft
Porch	Open Porch
Porch Area	62 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	4315 89TH ST E
City	PALMETTO
State	FL
Zip	34221-8689
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1 SUBURB
Legal Description	COM AT THE NW COR OF THE E1/2 OF THE SW1/4 OF SEC 20, TWN 33S, RNG 18E; TH N 89 DEG 51 MIN 10 SEC E ALONG THE N LN OF SD E1/2 OF THE SW1/4 AND THE N LN OF THE W1/2 OF THE SE1/4
Legal Range	18E
Legal Township	33S
Legal Section	20
Legal Subdivision	RICHARDS
Legal Lot Number	V004
Jurisdiction	MANATEE FL
Township / Civil Division	PARRISH
Census Block Group	1
Census Block	1003
Census Tract	1915

Owner

4315 89th St E is owned and occupied by two individuals who bought it in July 2017.

Source: Manatee County records, as of August 25, 2025

Owner of Record	2 Individual Names on File
Mailing Address	4315 89TH ST E, PALMETTO, FL 34221-8689
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2017 · Amount on File
Deed Sale	Jul 28, 2017 · Amount on File
Prior Sale	Apr 16, 2013 · Amount on File
Deed Document Number	201772051
Prior Transfer Date	Sep 4, 2015
Prior Transfer Doc	0025860185
Record Updated	Jun 8, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Jul 28, 2017
Property Address	4315 89TH ST E, PALMETTO, FL 34221-8689
Document Number	0026855395
Book / Page	002685 / 005395
Instrument Date	Jul 26, 2017
Instrument	41072051
Transaction Type	Transfer
Record Updated	Dec 5, 2017
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4315 89TH ST E PALMETTO FL 342218689, PALMETTO, FL 34221-8689

Mortgage

Document Number	26855399
Date	Jul 28, 2017
Book Page	002685/005399
Instrument	41072053

Lender

Name	SUNBELT LNDG SVCS
Address	CLEARWATER, FL 33759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 27, 2032

Tax Assessment & Valuation

Source: Manatee County assessment roll, as of August 25, 2025

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
2025		$320,082	$617,113 Land $265,942 Building $351,171
2024	$3,900.00 (+1.51%)
2023	$3,842.00 (+2.86%) Homeowner's exemption	$302,001 (+3%)	$589,878 (+37.4%) Land $227,260 Building $362,618
2022	$3,735.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$293,205	$429,327 Land $119,461 Building $309,866

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4315 89th St E in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 4315 89th St E is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 70% 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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