Manatee County property record for 4845 Turtle Bay Ter, Bradenton, FL 34203
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,539 sqft · built 2002 |
| Lot Size | 0.373 acres (16,244 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $570,000 (Jun 2026) |
| Tax Bill | $4,278 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16977-2620-9 |
| Primary APN | 16977-2620-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,539 sqft Living Area |
| Gross Area | 3,237 sqft |
| 1st Floor Area | 2,539 sqft |
| 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 | 16,244 sqft (0.373 acres) |
| View / Lot | Standard |
| Garage Type | Attached |
| Garage Area | 436 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 324 sqft |
| Porch | Screened Porch |
| Porch Area | 262 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 4845 TURTLE BAY TER |
|---|---|
| City | BRADENTON |
| State | FL |
| Zip | 34203-3158 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-R |
| Legal Description | LOT 217 SABAL HARBOUR PHASE VI PI#16977.2620/9 |
| Legal Range | 18E |
| Legal Township | 35S |
| Legal Section | 09 |
| Legal Subdivision | SABAL HARBOUR PHASE VI |
| Legal Tract | 01697707 |
| Legal Lot Number | 217 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | BRADENTON |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 804 |
Source: Manatee County records, as of July 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4845 TURTLE BAY TER, BRADENTON, FL 34203-3158 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Jun 22, 2026 | Warranty Deed, Transfer · Conventional Mortgage HOME MORTGAGE CORPORATION |
| Aug 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FNDG |
| Feb 14, 2019 | Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 22, 2026 · Amount on Record |
| Deed Sale | Jun 22, 2026 · Amount on Record |
| Prior Sale | Feb 14, 2019 · Amount on Record |
| Deed Document Number | 202671887 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Jun 22, 2026 |
| Property Address | 4845 TURTLE BAY TER, BRADENTON, FL 34203-3158 |
| Document Number | 0000071887 |
| Instrument Date | Jun 16, 2026 |
| Instrument | 202671887 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2026 |
| Title Company | SUNBELT TITLE COMPANY, SUNBELT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $402,990.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4845 TURTLE BAY TER, BRADENTON, FL 34203-3158 |
| Document Number | 0000071888, |
|---|---|
| Date | Jun 22, 2026 |
| Instrument | 202671888 |
| Name | HOME MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 4845 TURTLE BAY TER, BRADENTON, FL 34203-3158 |
| Document Number | 0041083831 |
| Instrument Date | Aug 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4845 TURTLE BAY TER BRADENTON FL 342033158, BRADENTON, FL 34203-3158 |
| Document Number | 0041083831 |
|---|---|
| Date | Aug 12, 2020 |
| Instrument | 41083831 |
| Name | HOMESTEAD FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 11, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Feb 14, 2019 |
| Property Address | 4845 TURTLE BAY TER, BRADENTON, FL 34203-3158 |
| Document Number | 0027680956 |
| Book / Page | 2768 / 0956 |
| Map Reference | MB 36 PG 180-185 |
| Instrument Date | Feb 13, 2019 |
| Instrument | 201941013756 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2021 |
| Title Company | SUNBELT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4880 50TH ST W # W2201, 4880, BRADENTON, FL 34210-4808 |
| Name | Verified Name |
|---|---|
| Address | 4845 TURTLE BAY TER, BRADENTON, FL 34203-3158 |
| Document Number | 201941013757 |
|---|---|
| Date | Feb 14, 2019 |
| Instrument | 201941013757 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
Source: Manatee County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Manatee County |
| Unified School District | Manatee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $314,177 (+2.7%) | $513,107 (-1.24%) Land $43,350 Building $469,757 | |
| 2025 | $4,278.00 (+3.21%) Homeowner's exemption | $305,917 (+5.99%) | $519,564 (-1.49%) Land $43,350 Building $476,214 |
| 2024 | $4,145.00 (+1.69%) | ||
| 2023 | $4,076.00 (+2.96%) Homeowner's exemption | $288,636 (+3%) | $527,434 (+15.32%) Land $43,350 Building $484,084 |
| 2022 | $3,959.00 Homeowner's exemption | $280,229 | $457,361 Land $42,500 Building $414,861 |
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.
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 Record 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% 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.
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 |
| 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.
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 |
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