531 48th St W, Palmetto, FL 34221 Property Records

Manatee County property record for 531 48th St W, Palmetto, FL 34221

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,244 sqft · built 1981
Lot Size	0.185 acres (8,059 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Jul 2021)
Tax Bill	$2,827 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`23598-1000-5`

Property Details

APN / Parcel Number

Primary APN	`23598-1000-5`
Alternative APN	`3417022359810005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,244 sqft Living Area
Gross Area	1,672 sqft
1st Floor Area	364 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2000
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
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	192 sqft
Deck Area	128 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	531 48TH ST W
City	PALMETTO
State	FL
Zip	34221-9537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-6
Legal Description	LOTS 857 & 858 PALMETTO POINT SUB PI#23598.1000/5
Legal Range	17E
Legal Township	34S
Legal Section	02
Legal Subdivision	PALMETTO POINT
Legal Tract	02318000
Legal Lot Number	857
Jurisdiction	MANATEE FL
Township / Civil Division	PALMETTO
Census Block Group	1
Census Block	1003
Census Tract	1404

Owner

531 48th St W is owned and occupied by two individuals who bought it in July 2021.

Source: Manatee County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	531 48TH ST W, PALMETTO, FL 34221-9537
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2021 · Amount on File
Deed Sale	Jul 7, 2021 · Amount on File
Prior Sale	Jul 27, 2009 · Amount on File
Deed Document Number	202190143
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Jul 7, 2021
Property Address	531 48TH ST W, PALMETTO, FL 34221-9537
Document Number	0041090143
Map Reference	MB 8 PG 124
Instrument Date	Jun 29, 2021
Instrument	202141090143
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	313 11TH AVE E, 313, PALMETTO, FL 34221-4277

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 48TH ST W, PALMETTO, FL 34221-9537

Mortgage

Document Number	0041090144
Date	Jul 7, 2021
Instrument	202141090144

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 531 48th St W was $2,827 with a homeowner's exemption, up 6.6% from the year before.

Source: Manatee County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Manatee County
Unified School District	Manatee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$222,762 (-0.81%) Land $59,925 Building $162,837	$222,762 (-1.91%) Land $59,925 Building $162,837
2025	$2,827.00 (+6.56%) Homeowner's exemption	$224,581	$227,103 Land $59,925 Building $167,178
2024	$2,653.00 (+1.73%)
2023	$2,608.00 (+3.04%) Homeowner's exemption	$211,895 (+3%)	$251,900 (+22.45%) Land $59,925 Building $191,975
2022	$2,531.00 Homeowner's exemption	$205,723 Land $42,000 Building $163,723	$205,723 Land $42,000 Building $163,723

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

Flood

FEMA maps place 531 48th 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	Hurricane Milton, Oct 2024 · 12 claims Hurricane Helene, Sep 2024 · 159 claims Hurricane Frances, Sep 2004 · 9 claims

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 531 48th 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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