Manatee County property record for 608 45th St E, Palmetto, FL 34221
| Property Type | Duplex |
|---|---|
| Details | 2 bd · 2 ba · 909 sqft · built 1984 |
| Lot Size | 0.124 acres (5,401 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $47,500 (May 1996) |
| Tax Bill | $2,133 (2025) |
| Deeds & Mortgages | Aug 2023 Transfer Oct 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22826-1036-5 |
| Primary APN | 22826-1036-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 909 sqft Living Area |
| Gross Area | 1,064 sqft |
| 1st Floor Area | 909 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Duplex Single |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,401 sqft (0.124 acres) |
| View / Lot | Standard |
| Porch | Screened Porch |
| Porch Area | 155 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 608 45TH ST E |
|---|---|
| City | PALMETTO |
| State | FL |
| Zip | 34221-9162 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RDD-6 |
| Legal Description | BEG AT SW COR OF LOT 3 SUMMERFIELD ESTATES; TH RUN S 66 DEG 46 MIN 25 SEC E, ALG S LN OF SD LOT 3, A DIST OF 49.22 FT; TH RUN N 23 DEG 13 MIN 35 SEC E, ALG N & S EXT OF C/L OF |
| Legal Range | 17E |
| Legal Township | 34S |
| Legal Section | 01 |
| Legal Subdivision | SUMMERFIELD ESTATES |
| Legal Tract | 02282600 |
| Legal Lot Number | 3 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | PALMETTO |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 1404 |
Source: Manatee County records · APN 22826-1036-5
Assessment roll updated July 23, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 611 45TH ST E, PALMETTO, FL 34221-9162 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 02, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Oct 15, 2020 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BK NA |
| Dec 30, 2019 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 13, 1996 · Amount on Record |
| Deed Sale | May 13, 1996 · Amount on Record |
| Deed Book / Page | 1487 / 4627 |
| Last Transfer Date | Jul 30, 2023 |
| Transfer Doc | 0000082994 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Aug 02, 2023 |
| Property Address | 608 45TH ST E, PALMETTO, FL 34221-9162 |
| Document Number | 0041082994 |
| Instrument Date | Jul 30, 2023 |
| Instrument | 202341082994 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 608 45TH ST E, PALMETTO, FL 34221-9162 |
| Name | Verified Name |
|---|---|
| Address | 45TH STREET E, PALMETTO, FL 34221 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 608 45TH ST E, PALMETTO, FL 34221-9162 |
| Document Number | 0041118364 |
| Instrument Date | Oct 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 608 45TH ST E PALMETTO FL 342219162, PALMETTO, FL 34221-9162 |
| Document Number | 0041118364 |
|---|---|
| Date | Oct 30, 2020 |
| Instrument | 41118364 |
| Name | BMO HARRIS BK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 29, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 608 45TH ST E, PALMETTO, FL 34221-9162 |
| Document Number | 0041005079 |
| Instrument Date | Dec 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2020 |
| Title Company | DOCUMENT RECORDING SERVICES, DOCUMENT RECORDING SVCS |
| Name | Verified Name |
|---|---|
| Address | 608 45TH ST E PALMETTO FL 342219162, PALMETTO, FL 34221-9162 |
| Document Number | 0041005079 |
|---|---|
| Date | Jan 16, 2020 |
| Instrument | 41005079 |
| Name | BMO HARRIS BK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 15, 2035 |
| Rate Type | Adjustable Rate |
|---|
Source: Manatee County records · Assessment roll updated July 23, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Manatee County |
| Unified School District | Manatee County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $135,363 (-) Land $5,100 Building $130,263 | $135,363 (-) Land $5,100 Building $130,263 | |
| 2025 | $2,133.00 (+0.47%) | $135,363 (+148.12%) Land $5,100 Building $130,263 | $135,363 (-3.61%) Land $5,100 Building $130,263 |
| 2024 | $2,123.00 (+831.14%) | ||
| 2023 | $228.00 (+6.54%) | $54,555 (+3%) | $140,438 (+19.49%) Land $5,100 Building $135,338 |
| 2022 | $214.00 Disabled Person's exemption | $52,966 | $117,536 Land $5,000 Building $112,536 |
Source: FEMA National Flood Hazard Layer as of September 2, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 4 (1981–1998) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Feb 1998 · Severe Storms, High Winds, Tornadoes, And Flooding |
| Wildfire Risk | Moderate above 44% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 247 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MANATEE COUNTY UTILITIES DEPT serves 347,800 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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