4743 Spinnaker Dr, Bradenton, FL 34208 Property Records

Manatee County property record for 4743 Spinnaker Dr, Bradenton, FL 34208

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,089 sqft · built 1997
Lot Size	0.189 acres (8,233 sqft)
Owner	2 Individual Names on File
Last Sale	$785,000 (May 2026)
Tax Bill	$4,891 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Jan 2023 Line of Credit + 3 more
Flood Zone	Zone AE (high risk)
APN	`10727-1130-0`

Property Details

APN / Parcel Number

Primary APN	`10727-1130-0`
Alternative APN	`3418281072711300`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,089 sqft Living Area
Gross Area	3,176 sqft
1st Floor Area	2,089 sqft
Utility Area	1 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Aluminum
Lot Area	8,233 sqft (0.189 acres)
View / Lot	Canal Front
Garage Type	Attached
Garage Area	602 sqft
Parking Spaces	3 Parking Spaces
Pool Area	234 sqft
Porch	Screened Porch
Porch Area	274 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	4743 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 322, RIVERDALE REV SUB; TOGETHER WITH A PORTION OF THAT CERTAIN PARCEL OF LAND REF TO IN ADMINISTRATIVE DETERMINATION 94-98 & DESC IN VACATION OF CANAL (R-94-33V),
Legal Range	18E
Legal Township	34S
Legal Section	28
Legal Subdivision	RIVERDALE REVISED
Legal Tract	01053700
Legal Lot Number	322
Jurisdiction	MANATEE FL
Township / Civil Division	BRADENTON
Census Block Group	1
Census Block	1013
Census Tract	2003

Owner

4743 Spinnaker Dr is owned by two individuals who bought it in May 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	10 EDWARD CIR, MONTVILLE, NJ 07045-9709
Owner Type	Individual
Vesting	Tenants by the Entirety

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
May 20, 2026	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK N A
Jan 9, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Sep 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK NA
Aug 28, 2018	Loan Modification, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2026 · Amount on File
Deed Sale	May 20, 2026 · Amount on File
Prior Sale	Oct 21, 2013 · Amount on File
Deed Document Number	202658020
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	May 20, 2026
Property Address	4743 SPINNAKER DR, BRADENTON, FL 34208-8492
Document Number	0000058020
Instrument Date	May 19, 2026
Instrument	202658020
Transaction Type	Transfer
Record Updated	Jun 5, 2026
Title Company	PRO TITLE, PROOF TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$554,995.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10 EDWARD CIR, MONTVILLE, NJ 07045-9709
Investor	Possibly a Property Investor

Mortgage

Document Number	0000058021,
Date	May 20, 2026
Instrument	202658021

Lender

Name	JPMORGAN CHASE BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	4743 SPINNAKER DR, BRADENTON, FL 34208-8492
Transaction Type	Mortgage
Record Updated	Jan 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4743 SPINNAKER DR, BRADENTON, FL 34208-8492

Mortgage

Document Number	0041002118
Date	Jan 9, 2023
Instrument	202341002118

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Dec 25, 2052

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	4743 SPINNAKER DR, BRADENTON, FL 34208-8492
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST INTERNATIONAL TTL INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028017608
Date	Sep 13, 2019
Book Page	2801/7608
Instrument	201941091534

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	4743 SPINNAKER DR, BRADENTON, FL 34208-8492
Document Number	0041123325
Instrument Date	Nov 4, 2020
Transaction Type	Mortgage
Record Updated	Nov 23, 2020
Title Company	BARNES WALKER TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4743 SPINNAKER DR BRADENTON FL 342088492, BRADENTON, FL 34208-8492

Mortgage

Document Number	0041123325
Date	Nov 10, 2020
Instrument	41123325

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 9, 2050

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MANATEE FL
Property Address	4743 SPINNAKER DR, BRADENTON, FL 34208-8492
Document Number	0027523455
Instrument Date	Aug 28, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4743 SPINNAKER DR BRADENTON FL 342088492, BRADENTON, FL 34208-8492

Mortgage

Document Number	0027523455
Date	Oct 17, 2018
Book Page	002752/003455
Instrument	41105241

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILL, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 16, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4743 Spinnaker Dr was $4,891, up 2.9% 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		$377,205 (+2.7%)	$661,749 (-1.08%) Land $171,700 Building $490,049
2025	$4,891.00 (+2.88%) Homeowner's exemption	$367,288	$668,957 Land $171,700 Building $497,257
2024	$4,754.00 (+1.13%)
2023	$4,701.00 (+2.71%) Homeowner's exemption	$346,541 (+3%)	$669,628 (+12.65%) Land $163,200 Building $506,428
2022	$4,577.00 Homeowner's exemption	$336,448	$594,408 Land $160,000 Building $434,408

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 4743 Spinnaker Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	7.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
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 4743 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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