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520 Oak Bay Dr, Osprey, FL 34229 Property Records

Sarasota County property record for 520 Oak Bay Dr, Osprey, FL 34229

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,958 sqft · built 1998
Lot Size0.238 acres (10,410 sqft)
OwnerIndividual Name on File
Last Sale$565,000 (Nov 2021)
Tax Bill$5,498 (2025)
Deeds & MortgagesNov 2021 Sale
Jan 2020 Mortgage
+ 1 more
Flood ZoneZone X (moderate risk)
APN0140-16-0021

Property Details

APN / Parcel Number

Primary APN0140-16-0021

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,958 sqft Living Area
1st Floor Area1,958 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 2013
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeHip
Roof MaterialAsphalt
Lot Area10,410 sqft (0.238 acres)
Garage TypeAttached
Garage Area441 sqft

Exterior Amenities

Pool Area288 sqft
PorchOpen Porch
Porch Area272 sqft
Patio Area464 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address520 OAK BAY DR
CityOSPREY
StateFL
Zip34229-8958
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF2
Legal DescriptionLOT 2155 BAY OAKS ESTATES UNIT 1
Legal Range18E
Legal Township38S
Legal Section02
Legal SubdivisionBAY OAKS ESTATES UNIT 1
Legal Tract2565
Legal Lot Number2155
Legal Unit1
JurisdictionSARASOTA FL
Township / Civil DivisionOSPREY-LAUREL-NOKOMIS
Census Block Group2
Census Block2006
Census Tract2101

Owner

520 Oak Bay Dr is owned by an individual who bought it in November 2021.

Source: Sarasota County records, as of January 12, 2026

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address9470 ASHBURY LN, PLEASANT PRAIRIE, WI 53158-2111
Owner TypeIndividual

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

DateDocument
Nov 9, 2021Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Jan 31, 2020Deed of Trust, Mortgage · Conventional Mortgage
LIBERTY SAVINGS BANK FSB
Feb 8, 2021Warranty Deed, Transfer · Conventional Mortgage
HIGHLANDS RESIDENTIAL MORTGAGE LTD

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 9, 2021 · Amount on File
Deed SaleNov 9, 2021 · Amount on File
Prior SaleFeb 8, 2021 · Amount on File
Deed Document Number2021203242
Record UpdatedJun 8, 2026

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSARASOTA FL
Recording DateNov 9, 2021
Property Address520 OAK BAY DR, OSPREY, FL 34229-8958
Document Number0000203242
Map ReferenceMB 36 PG 47
Instrument DateNov 9, 2021
Instrument2021203242
Transaction TypeTransfer
Record UpdatedNov 18, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$3,955.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3540 5TH STREET DR NW, 3540, HICKORY, NC 28601-1015

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address9470 ASHBURY LN, PLEASANT PRAIRIE, WI 53158-2111

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSARASOTA FL
Property Address520 OAK BAY DR, OSPREY, FL 34229-8958
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000014555
DateJan 31, 2020
Instrument2020014555
Lender
NameLIBERTY SAVINGS BANK FSB
TypeBank
AddressWILMINGTON, OH 45177
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2050

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSARASOTA FL
Recording DateFeb 8, 2021
Property Address520 OAK BAY DR, OSPREY, FL 34229-8958
Document Number0000021837
Map ReferenceMB 36 PG 47
Instrument DateFeb 3, 2021
Instrument2021021837
Transaction TypeTransfer
Record UpdatedJan 4, 2022

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,814.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address925 S RIVER RD, 925, ENGLEWOOD, FL 34223-3909

Transferred To (Grantee/Buyer)

NameVerified Name
Address3540 5TH STREET DR NW, HICKORY, NC 28601-1015

Mortgage

Document Number0000021838
DateFeb 8, 2021
Instrument2021021838
Lender
NameHIGHLANDS RESIDENTIAL MORTGAGE LTD
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 520 Oak Bay Dr was $5,498.

Source: Sarasota County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySarasota County
Unified School DistrictSarasota County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,498.00$479,200 Land $131,300 Building $347,900$479,200 Land $131,300 Building $347,900
2023$6,521.00 (+4.45%)$514,200 (+5.09%) Land $151,500 Building $362,700$514,200 (+5.09%) Land $151,500 Building $362,700
2022$6,243.00$489,300 Land $145,000 Building $344,300$489,300 Land $145,000 Building $344,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 520 Oak Bay Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 155 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies155 in force
Nearby Flood Claims1 (2024)
Most Recent ClaimOct 2024 · Hurricane Milton

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 520 Oak Bay Dr is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire RiskModerate
above 58% of the US · lower than 68% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

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 SystemSARASOTA CO SPECIAL UTIL DIST
serves 272,267 people · EPA ID FL6581591
Water SourcePurchased surface water from several systems
Last State InspectionMay 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 93 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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