Manatee County property record for 615 48th St W, Palmetto, FL 34221
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,090 sqft · built 1996 |
| Lot Size | 0.185 acres (8,059 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $329,000 (Jul 2026) |
| Tax Bill | $3,638 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Mar 2026 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 23600-0010-9 |
| Primary APN | 23600-0010-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,090 sqft Living Area |
| Gross Area | 1,717 sqft |
| 1st Floor Area | 1,090 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2008 |
| 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 |
| Garage Type | Attached |
| Garage Area | 377 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Screened Porch |
| Porch Area | 250 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 615 48TH ST W |
|---|---|
| City | PALMETTO |
| State | FL |
| Zip | 34221-8749 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-6 |
| Legal Description | LOTS 863 & 864 PALMETTO POINT SUB PI#23600.0010/9 |
| Legal Range | 17E |
| Legal Township | 34S |
| Legal Section | 02 |
| Legal Subdivision | PALMETTO POINT |
| Legal Tract | 02318000 |
| Legal Lot Number | 863 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | PALMETTO |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 1404 |
615 48th St W is owned and occupied by two individuals who bought it in July 2026.
Source: Manatee County records, as of August 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 615 48TH ST W, PALMETTO, FL 34221-8749 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 20, 2026 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE MORTGAGE |
| Mar 11, 2026 | Warranty Deed, Transfer BAY TO BAY TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2026 · Amount on File |
| Deed Sale | Jul 20, 2026 · Amount on File |
| Prior Sale | Mar 11, 2026 · Amount on File |
| Deed Document Number | 202683645 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Jul 20, 2026 |
| Property Address | 615 48TH ST W, PALMETTO, FL 34221-8749 |
| Document Number | 0000083645 |
| Instrument Date | Jul 14, 2026 |
| Instrument | 202683645 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2026 |
| Title Company | BAY TO BAY TITLE LLC, BAY TO BAY TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $232,603.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 615 48TH ST W, PALMETTO, FL 34221-8749 |
| Document Number | 0000083646, |
|---|---|
| Date | Jul 20, 2026 |
| Instrument | 202683646 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Max Rate | -1% |
|---|
| Document Number | 0000083647, |
|---|---|
| Date | Jul 20, 2026 |
| Instrument | 202683647 |
| Amount | Amount on Record |
|---|
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Mar 11, 2026 |
| Property Address | 615 48TH ST W, PALMETTO, FL 34221-8749 |
| Document Number | 0041027514 |
| Map Reference | MB 8 PG 124 |
| Instrument Date | Mar 5, 2026 |
| Instrument | 202641027514 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2026 |
| Title Company | BAY TO BAY TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $777.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2438 W PROSPECT RD, TAMPA, FL 33629-5354 |
| Name | Verified Name |
|---|---|
| Address | 4928 W SAN RAFAEL ST, TAMPA, FL 33629-5404 |
The 2025 property tax bill for 615 48th St W was $3,638, down 3.3% from the year before.
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 | $242,141 (-0.89%) Land $59,925 Building $182,216 | $242,141 (-0.89%) Land $59,925 Building $182,216 | |
| 2025 | $3,638.00 (-3.27%) | $244,311 Land $59,925 Building $184,386 | $244,311 Land $59,925 Building $184,386 |
| 2024 | $3,761.00 (+1.95%) | ||
| 2023 | $3,689.00 (+21.27%) | $270,913 (+22.22%) Land $59,925 Building $210,988 | $270,913 (+22.22%) Land $59,925 Building $210,988 |
| 2022 | $3,042.00 | $221,663 Land $42,000 Building $179,663 | $221,663 Land $42,000 Building $179,663 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 615 48th 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 |
|
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 risk around 615 48th 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.
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 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 |
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