5530 Panella Ct, Palmetto, FL 34221 Property Records

Manatee County property record for 5530 Panella Ct, Palmetto, FL 34221

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,501 sqft · built 2022
Lot Size	0.251 acres (10,917 sqft)
Owner	2 Trust Names on Record
Tax Bill	$11,095 (2024)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6045-3535-9`

Property Details

APN / Parcel Number

Primary APN	`6045-3535-9`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,501 sqft Living Area
Gross Area	3,733 sqft
1st Floor Area	2,501 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	10,917 sqft (0.251 acres)
View / Lot	Lake Front
Garage Type	Attached
Garage Area	735 sqft
Porch	Screened Porch
Porch Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5530 PANELLA CT
City	PALMETTO
State	FL
Zip	34221-1771
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 591 SUBPH D, ARTISAN LAKES ESPLANADE PH V SUBPH D & E PI#6045.3535/9
Legal Subdivision	ARTISAN LAKES ESPLANADE PH V SUBPH D & E
Legal Lot Number	591
Jurisdiction	MANATEE FL
Township / Civil Division	PARRISH
Census Block Group	2
Census Block	2022
Census Tract	1915

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on Record
Mailing Address	5530 PANELLA CT, PALMETTO, FL 34221-1771
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Jun 27, 2022
Property Address	5530 PANELLA CT, PALMETTO, FL 34221-1771
Document Number	0041083447
Map Reference	MB 71 PG 163
Instrument Date	Jun 15, 2022
Instrument	202241083447
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,332.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	551 N CATTLEMEN RD STE 200, 200, SARASOTA, FL 34232-6451

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	5530 PANELLA COURT, PALMETTO, FL 34221-1771

Mortgage

Document Number	0041083449
Date	Jun 27, 2022
Instrument	202241083449

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jul 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.25%
Index	1-Year CMT
Max Rate	9.25%

Tax Assessment & Valuation

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		$653,818 (-0.24%) Land $85,000 Building $568,818	$653,818 (-0.24%) Land $85,000 Building $568,818
2025		$655,399 (-4.01%) Land $85,000 Building $570,399	$655,399 (-10.42%) Land $85,000 Building $570,399
2024	$11,095.00 (+0.73%)
2023	$11,015.00 (+353.48%) Homeowner's exemption	$682,800 (+2,816.58%)	$731,651 (+3,025.24%) Land $85,000 Building $646,651
2022	$2,429.00	$23,411 Land $23,411	$23,411 Land $23,411

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 229 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	229 in force
Nearby Flood Claims	3 (2020–2024)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Eta, Nov 2020 · 2 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

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

Wildfire Risk	High above 71% of the US · above 53% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct 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 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 461 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20