5528 20th St W, Bradenton, FL 34207 Property Records

Manatee County property record for 5528 20th St W, Bradenton, FL 34207

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,712 sqft · built 1958
Lot Size	0.217 acres (9,450 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Oct 2009)
Tax Bill	$1,130 (2025)
Deeds & Mortgages	Sep 2022 Reverse Mortgage Sep 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`60720-0000-0`

Property Details

APN / Parcel Number

Primary APN	`60720-0000-0`
Alternative APN	`3517156072000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,712 sqft Living Area
Gross Area	2,060 sqft
1st Floor Area	1,712 sqft
Basement Area	256 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,450 sqft (0.217 acres)
Lot Dimensions	135 ft deep x 70 ft wide
View / Lot	Standard
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Pool Area	312 sqft
Porch	Open Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	5528 20TH ST W
City	BRADENTON
State	FL
Zip	34207-3205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-6
Legal Description	LOT 7 VARNS SUB PI#60720.0000/0
Legal Range	17E
Legal Township	35S
Legal Section	15
Legal Subdivision	VARNS
Legal Lot Number	7
Jurisdiction	MANATEE FL
Township / Civil Division	BRADENTON
Census Block Group	2
Census Block	2010
Census Tract	307

Owner

5528 20th St W is owned by an individual who bought it in October 2009.

Source: Manatee County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	612 GARCIA ST, SANTA FE, NM 87505-2858
Owner Type	Individual
Vesting	Estate

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

Date	Document
Sep 21, 2022	Deed of Trust, Mortgage · Reverse Mortgage SMARTFL HOME LOANS LLC
Sep 8, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Feb 13, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 7, 2020	Deed of Trust, Mortgage · VA Mortgage INTERCONTINENTAL CAP
Dec 31, 2018	Deed of Trust, Mortgage · VA Mortgage MONSTERLOANS
Aug 19, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2009 · Amount on File
Deed Sale	Oct 20, 2009 · Amount on File
Prior Sale	Nov 21, 2008
Deed Document Number	20092746539
Deed Book / Page	2316 / 1867
Prior Transfer Date	Nov 5, 2008
Prior Transfer Doc	0022802301
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	5528 20TH ST W, BRADENTON, FL 34207-3205
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5528 20TH ST W, BRADENTON, FL 34207-3205

Mortgage

Document Number	0041118038
Date	Sep 21, 2022
Instrument	202241118038

Lender

Name	SMARTFL HOME LOANS LLC
Type	Non-Lending Institution
Address	SAN DIEGO, CA 92122

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	937 Months
Due	Oct 10, 2100

Interest

Rate Type	Fixed Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	5528 20TH ST W, BRADENTON, FL 34207-3205
Transaction Type	Mortgage
Record Updated	Sep 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5528 20TH ST W, BRADENTON, FL 34207-3205

Mortgage

Document Number	202141119424
Date	Sep 8, 2021
Instrument	202141119424

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	5528 20TH ST W, BRADENTON, FL 34207-3205
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026601253
Date	Feb 13, 2017
Book Page	2660/1253
Instrument	201741012737

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	5528 20TH ST W, BRADENTON, FL 34207-3205
Document Number	0041032319
Instrument Date	Mar 7, 2020
Transaction Type	Mortgage
Record Updated	Apr 24, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5528 20TH ST W BRADENTON FL 342073205, BRADENTON, FL 34207-3205

Mortgage

Document Number	0041032319
Date	Mar 25, 2020
Instrument	41032319

Lender

Name	INTERCONTINENTAL CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 24, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	5528 20TH ST W, BRADENTON, FL 34207-3205
Document Number	0027642298
Instrument Date	Dec 31, 2018
Transaction Type	Mortgage
Record Updated	Jan 29, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5528 20TH ST W BRADENTON FL 342073205, BRADENTON, FL 34207-3205

Mortgage

Document Number	0027642298
Date	Jan 14, 2019
Book Page	002764/002298
Instrument	41004009

Lender

Name	MONSTERLOANS
Address	LAKE FOREST, CA 92630

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 13, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	5528 20TH ST W, BRADENTON, FL 34207-3205
Document Number	0026906715
Book / Page	002690 / 006715
Instrument Date	Aug 19, 2017
Transaction Type	Mortgage
Record Updated	Sep 25, 2017
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5528 20TH ST W BRADENTON FL 342073205, BRADENTON, FL 34207-3205

Mortgage

Document Number	0026906715
Date	Aug 31, 2017
Book Page	002690/006715
Instrument	41083839

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5528 20th St W was $1,130, up 4.7% 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		$192,848 (+98.73%) Land $45,900 Building $146,948	$192,848 (-0.7%) Land $45,900 Building $146,948
2025	$1,130.00 (+4.73%) Homeowner's exemption	$97,040	$194,199 Land $45,900 Building $148,299
2024	$1,079.00 (+4.15%)
2023	$1,036.00 (-57.73%) Homeowner's exemption	$91,558 (+3%)	$207,660 (+23.4%) Land $45,900 Building $161,760
2022	$2,451.00 Homeowner's exemption	$88,891	$168,280 Land $45,000 Building $123,280

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

Flood

FEMA maps place 5528 20th St W in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective September 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2016 · Hurricane Hermine

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 5528 20th 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 447 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon, Xfinity.

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