Manatee County property record for 611 45th St E, Palmetto, FL 34221
| Property Type | Duplex |
|---|---|
| Details | 2 bd · 2 ba · 1,326 sqft · built 1987 |
| Lot Size | 0.125 acres (5,445 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $100 (Jan 2016) |
| Tax Bill | $929 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Jun 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22826-1085-2 |
| Primary APN | 22826-1085-2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,326 sqft Living Area |
| 1st Floor Area | 1,326 sqft |
| Basement Area | 266 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Duplex Single |
| Exterior Material | Wood |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,445 sqft (0.125 acres) |
| View / Lot | Standard |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Covered Porch |
| Porch Area | 266 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 611 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 | LOT 13, SUMMERFIELD ESTATES SUB, LESS THAT PART OF SD LOT 13 MORE PARTICULARLY DESC AS FOLLOWS: BEG AT THE NELY COR OF SD LOT 13; TH N 66 DEG 46 MIN 25 SEC W, ALONG THE N LINE OF SD |
| Legal Range | 17E |
| Legal Township | 34S |
| Legal Section | 01 |
| Legal Subdivision | SUMMERFIELD ESTATES |
| Legal Tract | 02282600 |
| Legal Lot Number | 13 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | PALMETTO |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 1404 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 611 45TH ST E, PALMETTO, FL 34221-9162 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2025 | Deed of Trust, Mortgage · Line of Credit BMO BANK NA |
| Jun 15, 2023 | Deed of Trust, Mortgage · Closed-End Mortgage BMO HARRIS BANK NA |
| Nov 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 1, 2016 · Amount on Record |
| Deed Sale | Jan 1, 2016 · Amount on Record |
| Prior Sale | Sep 3, 1997 · Amount on Record |
| Deed Book / Page | 2623 / 4507 |
| Last Transfer Date | Jul 28, 2016 |
| Transfer Doc | 0026337872 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 611 45TH ST E, PALMETTO, FL 34221-9162 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Name | Verified Name |
|---|---|
| Address | 611 45TH ST E, PALMETTO, FL 34221-9162 |
| Document Number | 0041120015 |
|---|---|
| Date | Sep 30, 2025 |
| Instrument | 202541120015 |
| Name | BMO BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60606 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 26, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 611 45TH ST E, PALMETTO, FL 34221-9162 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2023 |
| Name | Verified Name |
|---|---|
| Address | 611 45TH ST E, PALMETTO, FL 34221-9162 |
| Document Number | 0041064396 |
|---|---|
| Date | Jun 15, 2023 |
| Instrument | 202341064396 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60606 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 5, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 611 45TH ST E, PALMETTO, FL 34221-9162 |
| Document Number | 0041136667 |
| Instrument Date | Nov 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 611 45TH ST E PALMETTO FL 342219162, PALMETTO, FL 34221-9162 |
| Document Number | 0041136667 |
|---|---|
| Date | Dec 10, 2020 |
| Instrument | 41136667 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 9, 2050 |
Source: Manatee County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Manatee County |
| Unified School District | Manatee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $89,498 (+2.7%) | $175,181 (-3.65%) Land $5,100 Building $170,081 | |
| 2025 | $929.00 (+7.15%) Homeowner's exemption | $87,145 (+5.99%) | $181,825 (-2.41%) Land $5,100 Building $176,725 |
| 2024 | $867.00 (+4.33%) | ||
| 2023 | $831.00 (+5.19%) Homeowner's exemption | $82,222 (+3%) | $186,308 (+22.44%) Land $5,100 Building $181,208 |
| 2022 | $790.00 Homeowner's exemption | $79,827 | $152,158 Land $5,000 Building $147,158 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 A, within 100 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 |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 247 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 |
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