4497 Opal Ct, Sarasota, FL 34233 Property Records

Sarasota County property record for 4497 Opal Ct, Sarasota, FL 34233

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,057 sqft · built 1990
Lot Size	0.244 acres (10,668 sqft)
Owner	Individual Name on Record
Last Sale	$299,000 (Apr 2019)
Tax Bill	$3,941 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Apr 2019 Sale & Mortgage
APN	`0069-07-0045`

Property Details

APN / Parcel Number

Primary APN	`0069-07-0045`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,057 sqft Living Area
1st Floor Area	2,057 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,668 sqft (0.244 acres)
Garage Type	Attached
Garage Area	462 sqft

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	292 sqft
Patio Area	356 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4497 OPAL CT
City	SARASOTA
State	FL
Zip	34233-2071
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3
Legal Description	LOT 87 EMERALD GARDENS
Legal Range	18E
Legal Township	37S
Legal Section	02
Legal Subdivision	EMERALD GARDENS
Legal Tract	2395
Legal Lot Number	87
Jurisdiction	SARASOTA FL
Township / Civil Division	SARASOTA
Census Block Group	2
Census Block	2004
Census Tract	1509

Owner

Source: Sarasota County records, as of January 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4497 OPAL CT, SARASOTA, FL 34233-2071
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2018	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Apr 22, 2019	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2019 · Amount on Record
Deed Sale	Apr 22, 2019 · Amount on Record
Deed Document Number	2019050418
Record Updated	Jun 8, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARASOTA FL
Property Address	4497 OPAL CT, SARASOTA, FL 34233-2071
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000131091
Date	Oct 3, 2018
Instrument	2018131091

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARASOTA FL
Recording Date	Apr 22, 2019
Property Address	4497 OPAL CT, SARASOTA, FL 34233-2071
Document Number	0000050418
Map Reference	MB 33 PG 23&23-A
Instrument Date	Apr 18, 2019
Instrument	2019050418
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	FLORIDA TTL & GUARANTEE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,093.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2901 26TH ST W # W211, 2901, BRADENTON, FL 34205-3700

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4497 OPAL CT, SARASOTA, FL 34233-2071

Mortgage

Document Number	0000050419
Date	Apr 22, 2019
Instrument	2019050419

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

Source: Sarasota County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,941.00 (-16.98%)	$343,500 (-11.99%) Land $125,000 Building $218,500	$343,500 (-11.99%) Land $125,000 Building $218,500
2023	$4,747.00 (+5.82%)	$390,300 (+4%) Land $115,200 Building $275,100	$390,300 (+4%) Land $115,200 Building $275,100
2022	$4,486.00	$375,300 Land $123,300 Building $252,000	$375,300 Land $123,300 Building $252,000

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 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Outside mapped area
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 43 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	43 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Aug 2024 · Hurricane Debby

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	SARASOTA CO SPECIAL UTIL DIST serves 272,267 people · EPA ID FL6581591
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 434 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35

May also be available: Blue Stream, Verizon.

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