4731 Spinnaker Dr, Bradenton, FL 34208 Property Records

Manatee County property record for 4731 Spinnaker Dr, Bradenton, FL 34208

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,880 sqft · built 2000
Lot Size	0.189 acres (8,233 sqft)
Owner	2 Trust Names on File
Last Sale	$468,000 (Jun 2019)
Tax Bill	$6,222 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`10727-1096-3`

Property Details

APN / Parcel Number

Primary APN	`10727-1096-3`
Alternative APN	`3418281072710963`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	1,880 sqft Living Area
Gross Area	2,761 sqft
1st Floor Area	1,880 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2009
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,233 sqft (0.189 acres)
Garage Type	Attached
Garage Area	284 sqft
Parking Spaces	3 Parking Spaces
Pool Area	264 sqft
Porch	Screened Porch
Porch Area	385 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	4731 SPINNAKER DR
City	BRADENTON
State	FL
Zip	34208-8492
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BR_R-1
Legal Description	LOT 319, RIVERDALE REVISED SUB; TOGETHER WITH A PORTION OF VACATED CANAL IN OR 1428 P 86 DESC AS FOLLOWS: BEG AT THE NE COR OF LOT 319; TH N 27 DEG 30 MIN 00 SEC W, A DIST OF 6 FT;
Legal Range	18E
Legal Township	34S
Legal Section	28
Legal Subdivision	RIVERDALE REVISED
Legal Tract	01053700
Legal Lot Number	319
Jurisdiction	MANATEE FL
Township / Civil Division	BRADENTON
Census Block Group	1
Census Block	1013
Census Tract	2003

Owner

4731 Spinnaker Dr is owner-occupied and held in a trust since June 2019.

Source: Manatee County records, as of July 23, 2026

Owner of Record	2 Trust Names on File
Mailing Address	4731 SPINNAKER DR, BRADENTON, FL 34208-8492
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Date	Document
Apr 14, 2020	Deed of Trust, Mortgage · Conventional with PMI LAND HM FIN'L SVCS INC
Jun 25, 2019	Warranty Deed, Transfer · Conventional Mortgage LAND-HOME FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2019 · Amount on File
Deed Sale	Jun 25, 2019 · Amount on File
Prior Sale	Mar 24, 2015 · Amount on File
Deed Document Number	201962050
Deed Book / Page	2788 / 6226
Prior Transfer Date	Mar 19, 2015
Prior Transfer Doc	0025611859
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	4731 SPINNAKER DR, BRADENTON, FL 34208-8492
Document Number	0041040772
Instrument Date	Apr 14, 2020
Transaction Type	Mortgage
Record Updated	May 15, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4731 SPINNAKER DR BRADENTON FL 342088492, BRADENTON, FL 34208-8492

Mortgage

Document Number	0041040772
Date	Apr 20, 2020
Instrument	41040772

Lender

Name	LAND HM FIN'L SVCS INC
Address	CONCORD, CA 94520

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 19, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Jun 25, 2019
Property Address	4731 SPINNAKER DR, BRADENTON, FL 34208-8492
Document Number	0027886226
Book / Page	2788 / 6226
Map Reference	MB 10 PG 40
Instrument Date	Jun 17, 2019
Instrument	201941062050
Transaction Type	Transfer
Record Updated	May 13, 2021
Title Company	HILLSBOROUGH TITLE III LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,276.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3898 CARNABY DR, 3898, OVIEDO, FL 32765-5114

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4731 SPINNAKER DR, BRADENTON, FL 34208-8492

Mortgage

Document Number	27886228
Date	Jun 25, 2019
Instrument	2788-6228

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4731 Spinnaker Dr was $6,222 with a homeowner's exemption, up 2.8% from the year before.

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		$475,797 (+2.7%)	$636,210 (-0.27%) Land $171,700 Building $464,510
2025	$6,222.00 (+2.78%) Homeowner's exemption	$463,288	$637,910 Land $171,700 Building $466,210
2024	$6,054.00 (+11.02%)
2023	$5,453.00 (+2.67%) Homeowner's exemption	$400,117 (+3%)	$615,221 (+13.24%) Land $163,200 Building $452,021
2022	$5,311.00 Homeowner's exemption	$388,463	$543,288 Land $160,000 Building $383,288

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

Flood

FEMA maps place 4731 Spinnaker Dr in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 595 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	759 units insured incl. 164 condo units
Nearby Flood Claims	18 (1997–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 7 claims Hurricane Helene, Sep 2024 · 4 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

Wildfire risk around 4731 Spinnaker Dr is low, with less than a 0.01% annual chance of 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	CITY OF BRADENTON serves 58,584 people · EPA ID FL6410182
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 456 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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