Manatee County property record for 512 46th St W, Palmetto, FL 34221
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,397 sqft · built 1984 |
| Lot Size | 0.185 acres (8,059 sqft) |
| Owner | Individual Name on File |
| Last Sale | $81,714 (Feb 2022) |
| Tax Bill | $1,677 (2025) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 23554-0000-9 |
| Primary APN | 23554-0000-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 1,397 sqft Living Area |
| Gross Area | 1,961 sqft |
| 1st Floor Area | 830 sqft |
| Basement Area | 712 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,059 sqft (0.185 acres) |
| View / Lot | Standard |
| Garage Type | Carport |
| Garage Area | 501 sqft |
| Carport | Carport |
| Carport Area | 501 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 512 46TH ST W |
|---|---|
| City | PALMETTO |
| State | FL |
| Zip | 34221-9533 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-6 |
| Legal Description | LOTS 765,766 PALMETTO POINT SUB PI#23554.0000/9 |
| Legal Range | 17E |
| Legal Township | 34S |
| Legal Section | 02 |
| Legal Subdivision | PALMETTO POINT |
| Legal Tract | 02318000 |
| Legal Lot Number | 765 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | PALMETTO |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 1404 |
512 46th St W is owned and occupied by an individual who bought it in February 2022.
Source: Manatee County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 512 46TH ST W, PALMETTO, FL 34221-9533 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 4, 2022 | Quit Claim Deed, Transfer · Conventional Mortgage LOWER LLC |
| Oct 3, 2019 | Deed of Trust, Mortgage · FHA Mortgage RP FUNDING INC |
| Sep 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage R P FNDG INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 4, 2022 · Amount on File |
| Deed Sale | Feb 4, 2022 · Amount on File |
| Prior Sale | Mar 31, 2016 · Amount on File |
| Deed Document Number | 202216297 |
| Prior Transfer Date | Jan 26, 2022 |
| Prior Transfer Doc | 0000016297 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Feb 4, 2022 |
| Property Address | 512 46TH ST W, PALMETTO, FL 34221-9533 |
| Document Number | 0041016297 |
| Map Reference | DOC 1671-3694 |
| Instrument Date | Jan 26, 2022 |
| Instrument | 202241016297 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $572.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 512 46TH ST W, 512, PALMETTO, FL 34221-9533 |
| Name | Verified Name |
|---|---|
| Address | 512 46TH ST W, PALMETTO, FL 34221-9533 |
| Document Number | 0041016298 |
|---|---|
| Date | Feb 4, 2022 |
| Instrument | 202241016298 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 512 46TH ST W, PALMETTO, FL 34221-9533 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0028056306 |
|---|---|
| Date | Oct 3, 2019 |
| Book Page | 2805/6306 |
| Instrument | 201941099414 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | LAKE MARY, FL 32746 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 512 46TH ST W, PALMETTO, FL 34221-9533 |
| Document Number | 0041108043 |
| Instrument Date | Sep 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 512 46TH ST W PALMETTO FL 342219533, PALMETTO, FL 34221-9533 |
| Document Number | 0041108043 |
|---|---|
| Date | Oct 7, 2020 |
| Instrument | 41108043 |
| Name | R P FNDG INC |
|---|---|
| Address | LAKE MARY, FL 32746 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 6, 2050 |
The 2025 property tax bill for 512 46th St W was $1,677 with a homeowner's exemption, up 6.8% from the year before.
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 | $145,114 (+2.7%) | $208,304 (-) Land $59,925 Building $148,379 | |
| 2025 | $1,677.00 (+6.82%) Homeowner's exemption | $141,299 | $208,304 Land $59,925 Building $148,379 |
| 2024 | $1,570.00 (+2.55%) | ||
| 2023 | $1,531.00 (+3.73%) Homeowner's exemption | $133,317 (+3%) | $231,377 (+18.94%) Land $59,925 Building $171,452 |
| 2022 | $1,476.00 Homeowner's exemption | $129,434 | $194,530 Land $42,000 Building $152,530 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 512 46th St W 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 | 9.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 344 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 344 in force |
| Nearby Flood Claims | 242 (1981–2025) |
| Claims Outside the SFHA | 5 of 242 |
| Most Recent Claim | May 2025 · rainfall accumulation |
| 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.
Wildfire risk around 512 46th St W 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.
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 474 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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