Sarasota County property record for 511 Harbor Point Rd, Longboat Key, FL 34228
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,827 sqft · built 1988 |
| Lot Size | 0.371 acres (16,176 sqft) |
| Owner | Individual Name on File |
| Last Sale | $2,212,500 (Aug 2020) |
| Tax Bill | $35,842 (2025) |
| Deeds & Mortgages | Aug 2020 Sale & Mortgage Oct 2017 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 0009-03-0003 |
| Primary APN | 0009-03-0003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,827 sqft Living Area |
| 1st Floor Area | 2,827 sqft |
| 2nd Floor Area | 952 sqft |
| Upper Floors Area | 952 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Retaining Wall |
| Roof Type | Hip |
| Roof Material | Concrete |
| Lot Area | 16,176 sqft (0.371 acres) |
| Garage Type | Attached |
| Garage Area | 601 sqft |
| Pool Area | 738 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 620 sqft |
| Deck Area | 1,107 sqft |
| Patio Area | 1,426 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 511 HARBOR POINT RD |
|---|---|
| City | LONGBOAT KEY |
| State | FL |
| Zip | 34228-3503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | LOT 41 BAY ISLES UNIT 1 |
| Legal Range | 17E |
| Legal Township | 36S |
| Legal Section | 16 |
| Legal Subdivision | BAY ISLES UNIT 01 |
| Legal Tract | 1912 |
| Legal Lot Number | 41 |
| Legal Unit | 1 |
| Jurisdiction | SARASOTA FL |
| Township / Civil Division | LONGBOAT KEY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 802 |
Source: Sarasota County records · APN 0009-03-0003
Assessment roll updated July 1, 2025 · Last verified January 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 511 HARBOR POINT RD, LONGBOAT KEY, FL 34228-3503 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 31, 2020 | Warranty Deed, Transfer · Conventional Mortgage SYNOVUS BANK |
| Oct 27, 2017 | Deed of Trust, Mortgage UNION SVGS |
| Oct 31, 2017 | Warranty Deed, Transfer · Conventional Mortgage UNITED SAVINGS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 31, 2020 · Amount on Record |
| Deed Sale | Aug 31, 2020 · Amount on Record |
| Prior Sale | Oct 31, 2017 · Amount on Record |
| Deed Document Number | 2020118000 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SARASOTA FL |
| Recording Date | Aug 31, 2020 |
| Property Address | 511 HARBOR POINT RD, LONGBOAT KEY, FL 34228-3503 |
| Document Number | 0000118000 |
| Map Reference | MB 23 PG 35 |
| Instrument Date | Aug 13, 2020 |
| Instrument | 2020118000 |
| Transaction Type | Transfer |
| Record Updated | Jan 04, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $15,487.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2450 HARBOURSIDE DR, 2450, LONGBOAT KEY, FL 34228-4169 |
| Name | Verified Name |
|---|---|
| Address | 7 PINE TREE LN, LINCOLN, RI 02865-4569 |
| Document Number | 0000118001 |
|---|---|
| Date | Aug 31, 2020 |
| Instrument | 2020118001 |
| Name | SYNOVUS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SARASOTA FL |
| Property Address | 511 HARBOR POINT RD, LONGBOAT KEY, FL 34228-3503 |
| Document Number | 0000143270 |
| Instrument Date | Oct 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 511 HARBOR POINT RD LONGBOAT KEY FL 342283503, LONGBOAT KEY, FL 34228-3503 |
| Document Number | 0000143270 |
|---|---|
| Date | Nov 20, 2017 |
| Instrument | 143270 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 19, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SARASOTA FL |
| Recording Date | Oct 31, 2017 |
| Property Address | 511 HARBOR POINT RD, LONGBOAT KEY, FL 34228-3503 |
| Document Number | 0000133648 |
| Map Reference | MB23 PG35 |
| Instrument Date | Oct 27, 2017 |
| Instrument | 2017133648 |
| Transaction Type | Transfer |
| Record Updated | Jan 04, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $17,710.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 29641 STATE ROAD 70 E, 29641, MYAKKA CITY, FL 34251-9371 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 12119 CHANNEL POINT DR, KNOXVILLE, TN 37922-6179 |
| Document Number | 0000133649 |
|---|---|
| Date | Oct 31, 2017 |
| Instrument | 2017133649 |
| Name | UNITED SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 01, 2032 |
| Document Number | 0000133650 |
|---|---|
| Date | Oct 31, 2017 |
| Instrument | 2017133650 |
| Name | UNITED SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | Nov 01, 2018 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 4.87% |
| Index | 1-Year CMT |
| Max Rate | 8.87% |
Source: Sarasota County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Sarasota County |
| Municipality | Longboat Key Town |
| Unified School District | Sarasota County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $35,842.00 (+3.22%) Homeowner's exemption | $2,821,100 (+5.52%) Land $1,382,400 Building $1,438,700 | $2,821,100 (-7.5%) Land $1,382,400 Building $1,438,700 |
| 2023 | $34,724.00 (+1.72%) Homeowner's exemption | $2,673,571 (+3%) | $3,049,900 (+17.5%) Land $1,337,800 Building $1,712,100 |
| 2022 | $34,136.00 Homeowner's exemption | $2,595,700 Land $1,286,100 Building $1,309,600 | $2,595,700 Land $1,286,100 Building $1,309,600 |
Source: FEMA National Flood Hazard Layer, Sarasota County (12115C), as of September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121150008021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 Record median of 482 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1,264 units insured incl. 782 condo units |
| Nearby Flood Claims | 231 (1978–2024) |
| Claims Outside the SFHA | 1 of 231 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Hotwire Communications.
Based on FCC filings for 98 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL6411098, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF LONGBOAT KEY serves 7,098 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Apr 2024 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 11 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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