610 46th St W, Palmetto, FL 34221 Property Records

Manatee County property record for 610 46th St W, Palmetto, FL 34221

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,450 sqft · built 1983
Lot Size	0.185 acres (8,059 sqft)
Owner	Individual Name on File
Last Sale	$192,000 (Oct 2016)
Tax Bill	$2,298 (2025)
Deeds & Mortgages	Nov 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`23558-0000-0`

Property Details

APN / Parcel Number

Primary APN	`23558-0000-0`
Alternative APN	`3417022355800000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,450 sqft Living Area
Gross Area	2,380 sqft
1st Floor Area	504 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2009
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,059 sqft (0.185 acres)
View / Lot	Standard
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	426 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	610 46TH ST W
City	PALMETTO
State	FL
Zip	34221-8741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-6
Legal Description	LOTS 773,774 PALMETTO POINT SUB PI#23558.0000/0
Legal Range	17E
Legal Township	34S
Legal Section	02
Legal Subdivision	PALMETTO POINT
Legal Tract	02318000
Legal Lot Number	773
Jurisdiction	MANATEE FL
Township / Civil Division	PALMETTO
Census Block Group	1
Census Block	1015
Census Tract	1404

Owner

610 46th St W is owned and occupied by an individual who bought it in October 2016.

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

Owner of Record	Individual Name on File
Mailing Address	610 46TH ST W, PALMETTO, FL 34221-8741
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	Name on Deed
Last Sale	Oct 31, 2016 · Amount on File
Deed Sale	Oct 31, 2016 · Amount on File
Prior Sale	Dec 2, 2009 · Amount on File
Deed Document Number	201652781
Deed Book / Page	2645 / 4358
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	610 46TH ST W, PALMETTO, FL 34221-8741
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028102908
Date	Nov 1, 2019
Book Page	2810/2908
Instrument	201941109743

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 610 46th St W was $2,298 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		$191,282 (+2.7%)	$288,552 (-1.84%) Land $59,925 Building $228,627
2025	$2,298.00 (+6.64%)	$186,253	$293,959 Land $59,925 Building $234,034
2024	$2,155.00 (+2.04%)
2023	$2,112.00 (+3.28%) Homeowner's exemption	$175,732 (+3%)	$321,581 (+20.14%) Land $59,925 Building $261,656
2022	$2,045.00 Homeowner's exemption	$170,614	$267,666 Land $42,000 Building $225,666

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

Flood

FEMA maps place 610 46th 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 610 46th 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 99.1% of the US · lower than 98.7% 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