4812 Turtle Bay Ter, Bradenton, FL 34203 Property Records

Manatee County property record for 4812 Turtle Bay Ter, Bradenton, FL 34203

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,377 sqft · built 2002
Lot Size	0.237 acres (10,314 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Jul 2026)
Tax Bill	$6,830 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16977-2680-9`

Property Details

APN / Parcel Number

Primary APN	`16977-2680-9`
Alternative APN	`3518091697726809`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,377 sqft Living Area
Gross Area	3,111 sqft
1st Floor Area	2,377 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,314 sqft (0.237 acres)
View / Lot	Lake Front
Garage Type	Attached
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	298 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	4812 TURTLE BAY TER
City	BRADENTON
State	FL
Zip	34203-3156
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-R
Legal Description	LOT 229 SABAL HARBOUR PHASE VI PI#16977.2680/9
Legal Range	18E
Legal Township	35S
Legal Section	09
Legal Subdivision	SABAL HARBOUR PHASE VI
Legal Tract	01697707
Legal Lot Number	229
Jurisdiction	MANATEE FL
Township / Civil Division	BRADENTON
Census Block Group	2
Census Block	2014
Census Tract	804

Owner

4812 Turtle Bay Ter is owned and occupied by two individuals who bought it in July 2026.

Source: Manatee County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4812 TURTLE BAY TER, BRADENTON, FL 34203-3156
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2026 · Amount on File
Deed Sale	Jul 13, 2026 · Amount on File
Prior Sale	Mar 4, 2002 · Amount on File
Deed Document Number	202680532
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Jul 13, 2026
Property Address	4812 TURTLE BAY TER, BRADENTON, FL 34203-3156
Document Number	0000080532
Instrument Date	Jul 9, 2026
Instrument	202680532
Transaction Type	Transfer
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$304,010.00
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	4812 TURTLE BAY TER, BRADENTON, FL 34203-3156

Mortgage

Document Number	0000080533,
Date	Jul 13, 2026
Instrument	202680533

Lender

Name	TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.87%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 4812 Turtle Bay Ter was $6,830 with a homeowner's exemption, down 1.1% 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		$482,247 (-0.07%) Land $48,450 Building $433,797	$482,247 (-0.07%) Land $48,450 Building $433,797
2025	$6,830.00 (-1.09%) Homeowner's exemption	$482,599 Land $48,450 Building $434,149	$482,599 Land $48,450 Building $434,149
2024	$6,905.00 (+179.67%)
2023	$2,469.00 (+0.69%) Homeowner's exemption	$186,662 (+3%)	$487,476 (+14.53%) Land $48,450 Building $439,026
2022	$2,452.00 Homeowner's exemption Widower's exemption	$181,225	$425,644 Land $47,500 Building $378,144

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 4812 Turtle Bay Ter in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1998.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	6 (1998–2024)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle, Sep 2001 · 2 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 4812 Turtle Bay Ter is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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	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 380 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20