Manatee County property record for 515 46th St W, Palmetto, FL 34221
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,838 sqft · built 1980 |
| Lot Size | 0.277 acres (12,066 sqft) |
| Owner | Individual Name on File |
| Last Sale | $460,000 (Oct 2021) |
| Tax Bill | $5,749 (2025) |
| Deeds & Mortgages | Apr 2026 Transfer Oct 2021 Sale & Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 23538-0000-2 |
| Primary APN | 23538-0000-2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,838 sqft Living Area |
| Gross Area | 2,784 sqft |
| 1st Floor Area | 624 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,066 sqft (0.277 acres) |
| View / Lot | Standard |
| Garage Type | Attached |
| Garage Area | 566 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Screened Porch |
| Porch Area | 730 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 515 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 735,736,737 PALMETTO POINT SUB PI#23538.0000/2 |
| Legal Range | 17E |
| Legal Township | 34S |
| Legal Section | 02 |
| Legal Subdivision | PALMETTO POINT |
| Legal Tract | 02318000 |
| Legal Block | 1 |
| Legal Lot Number | 735 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | PALMETTO |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 1404 |
515 46th St W is owned by an individual who acquired it in March 2026.
Source: Manatee County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 632 SW LUCERO DR, PORT SAINT LUCIE, FL 34983-1825 |
| Owner Type | Individual |
| Vesting | Unmarried Man |
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 |
|---|---|
| Apr 10, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Oct 19, 2021 | Warranty Deed, Transfer · Conventional Mortgage QUONTIC BANK FSB |
| Sep 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESID'L MTG |
| Jan 18, 2018 | Warranty Deed, Transfer · Conventional Mortgage JP MORGAN CHASE BK |
| Jan 4, 2017 | Loan Modification, Mortgage · Line of Credit SUNTRUST BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 19, 2021 · Amount on File |
| Deed Sale | Oct 19, 2021 · Amount on File |
| Prior Sale | Jan 29, 2018 · Amount on File |
| Deed Document Number | 2021138547 |
| Last Transfer Date | Mar 30, 2026 |
| Transfer Doc | 0000040876 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Apr 10, 2026 |
| Property Address | 515 46TH ST W, PALMETTO, FL 34221-9533 |
| Document Number | 0000040876 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 202640876 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 632 SW LUCERO DR, PORT SAINT LUCIE, FL 34983-1825 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Oct 19, 2021 |
| Property Address | 515 46TH ST W, PALMETTO, FL 34221-9533 |
| Document Number | 202141138547 |
| Map Reference | MB 8 PG 124 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 202141138547 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2021 |
| Title Company | SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,220.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 425 HORSESHOE LOOP RD, 425, TERRA CEIA, FL 34250 |
| Name | Verified Name |
|---|---|
| Address | 515 46TH ST W, PALMETTO, FL 34221-9533 |
| Document Number | 202141138548 |
|---|---|
| Date | Oct 19, 2021 |
| Instrument | 202141138548 |
| Name | QUONTIC BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 515 46TH ST W, PALMETTO, FL 34221-9533 |
| Document Number | 0041101326 |
| Instrument Date | Sep 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2020 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|---|
| Address | 515 46TH ST W PALMETTO FL 342219533, PALMETTO, FL 34221-9533 |
| Document Number | 0041101326 |
|---|---|
| Date | Sep 23, 2020 |
| Instrument | 41101326 |
| Name | PRIMARY RESID'L MTG |
|---|---|
| Type | Mortgage Company |
| Address | SALT LAKE CITY, UT 84116 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 22, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Jan 18, 2018 |
| Property Address | 515 46TH ST W, PALMETTO, FL 34221-9533 |
| Document Number | 0027103280 |
| Book / Page | 002710 / 003280 |
| Instrument Date | Jan 16, 2018 |
| Instrument | 41005690 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,953.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 515 46TH ST W PALMETTO FL 342219533, PALMETTO, FL 34221-9533 |
| Document Number | 27103282 |
|---|---|
| Date | Jan 18, 2018 |
| Book Page | 002710/003282 |
| Instrument | 41005691 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 17, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 515 46TH ST W, PALMETTO, FL 34221-9533 |
| Document Number | 0026577093 |
| Instrument Date | Jan 4, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 515 46TH ST W PALMETTO FL 342219533, PALMETTO, FL 34221-9533 |
| Document Number | 0026577093 |
|---|---|
| Date | Jan 26, 2017 |
| Book Page | 002657/007093 |
| Instrument | 41007428 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 25, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 515 46th St W was $5,749, down 4.7% 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 | $387,582 (-1.98%) Land $74,906 Building $312,676 | $387,582 (-1.98%) Land $74,906 Building $312,676 | |
| 2025 | $5,749.00 (-4.72%) | $395,423 Land $74,906 Building $320,517 | $395,423 Land $74,906 Building $320,517 |
| 2024 | $6,034.00 (-2.57%) | ||
| 2023 | $6,193.00 (+9.44%) | $435,999 (+11.15%) Land $74,906 Building $361,093 | $435,999 (+11.15%) Land $74,906 Building $361,093 |
| 2022 | $5,659.00 | $392,260 Land $52,500 Building $339,760 | $392,260 Land $52,500 Building $339,760 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 515 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 515 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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