Manatee County property record for 635 46th St W, Palmetto, FL 34221
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,169 sqft · built 1998 |
| Lot Size | 0.379 acres (16,509 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $304,000 (Feb 2019) |
| Tax Bill | $4,550 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage Feb 2019 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 23545-0005-6 |
| Primary APN | 23545-0005-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,169 sqft Living Area |
| Gross Area | 3,271 sqft |
| 1st Floor Area | 2,169 sqft |
| Year Built | Built 1998 |
|---|---|
| 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 | 16,509 sqft (0.379 acres) |
| View / Lot | Standard |
| Garage Type | Attached |
| Garage Area | 531 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 288 sqft |
| Porch | Screened Porch |
| Porch Area | 571 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 635 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 748,749,750 AND 751, PALMETTO POINT SUB PI#23545.0005/6 |
| Legal Range | 17E |
| Legal Township | 34S |
| Legal Section | 02 |
| Legal Subdivision | PALMETTO POINT |
| Legal Tract | 02318000 |
| Legal Lot Number | 748 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | PALMETTO |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 1404 |
635 46th St W is owned and occupied by two individuals who bought it in February 2019.
Source: Manatee County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 635 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.
| Date | Document |
|---|---|
| Sep 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FRANKLIN MINT FCU |
| Feb 15, 2019 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 15, 2019 · Amount on File |
| Deed Sale | Feb 15, 2019 · Amount on File |
| Prior Sale | May 23, 1997 · Amount on File |
| Deed Document Number | 201914226 |
| Deed Book / Page | 2768 / 2455 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 635 46TH ST W, PALMETTO, FL 34221-8741 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST INTERNATIONAL TTL INC |
| Name | Verified Name |
|---|
| Document Number | 0028036356 |
|---|---|
| Date | Sep 24, 2019 |
| Book Page | 2803/6356 |
| Instrument | 201941095421 |
| Name | FRANKLIN MINT FCU |
|---|---|
| Type | Credit Union |
| Address | CHADDS FORD, PA 19317 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Feb 15, 2019 |
| Property Address | 635 46TH ST W, PALMETTO, FL 34221-8741 |
| Document Number | 0027682455 |
| Book / Page | 002768 / 002455 |
| Instrument Date | Feb 14, 2019 |
| Instrument | 41014226 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2019 |
| Title Company | FIRST INT'L TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,128.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 635 46TH ST W PALMETTO FL 342218741, PALMETTO, FL 34221-8741 |
| Document Number | 27682457 |
|---|---|
| Date | Feb 15, 2019 |
| Book Page | 002768/002457 |
| Instrument | 41014227 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 14, 2049 |
The 2025 property tax bill for 635 46th St W was $4,550 with a homeowner's exemption, up 6.5% 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 | $355,193 (+2.7%) | $429,508 (-2.04%) Land $89,888 Building $339,620 | |
| 2025 | $4,550.00 (+6.48%) Homeowner's exemption | $345,855 | $438,438 Land $89,888 Building $348,550 |
| 2024 | $4,273.00 (+1.3%) | ||
| 2023 | $4,218.00 (+2.73%) Homeowner's exemption | $326,318 (+3%) | $480,597 (+20.71%) Land $89,888 Building $390,709 |
| 2022 | $4,106.00 Homeowner's exemption | $316,814 | $398,150 Land $63,000 Building $335,150 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 635 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 |
|
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 635 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.
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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