Sarasota County property record for 644 40th St, Sarasota, FL 34234
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,442 sqft · built 1952 |
| Lot Size | 0.155 acres (6,750 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $3,445 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Jan 2018 Mortgage + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 2004-14-0022 |
| Primary APN | 2004-14-0022 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,442 sqft Living Area |
| 1st Floor Area | 1,442 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,750 sqft (0.155 acres) |
| Lot Dimensions | 90 ft deep x 75 ft wide |
| View / Lot | Mainland |
| Garage Type | Carport |
| Garage Area | 550 sqft |
| Carport | Carport |
| Carport Area | 550 sqft |
| Porch | Open Porch |
| Porch Area | 80 sqft |
| Patio Area | 250 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 2004140022 |
|---|---|
| Street Address | 644 40TH ST |
| City | SARASOTA |
| State | FL |
| Zip | 34234-5202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF2 |
| Legal Description | LOT 4 OF SURVEY OF PART OF BLKS 46 47 & 48 PLAT OF INDIAN BEACH IN DB 237/507 MAP OF INDIAN BEACH |
| Legal Range | 17E |
| Legal Township | 36S |
| Legal Section | 12 |
| Legal Subdivision | INDIAN BEACH MAP OF |
| Legal Tract | 62 |
| Legal Block | 46 |
| Legal Lot Number | 4 |
| Jurisdiction | SARASOTA FL |
| Township / Civil Division | SARASOTA |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 900 |
644 40th St is owned by a company that acquired it in May 2014 and is owner-occupied.
Source: Sarasota County records, as of September 16, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 644 40TH ST, SARASOTA, FL 34234-5202 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
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 8, 2026 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Jan 2, 2018 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Jul 9, 2019 | Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS |
| May 9, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Nov 7, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2011 |
| Deed Sale | Sep 6, 2011 |
| Prior Sale | Aug 6, 2008 · Amount on File |
| Deed Document Number | 2011103193 |
| Last Transfer Date | May 22, 2014 |
| Transfer Doc | 0000065902 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SARASOTA FL |
| Recording Date | Sep 8, 2026 |
| Property Address | 644 40TH ST, SARASOTA, FL 34234-5202 |
| Document Number | 0000121801 |
| Instrument Date | Aug 28, 2026 |
| Instrument | 2026121801 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Relationship | Trust, 212 |
| Address | 644 40TH ST, SARASOTA, FL 34234-5202 |
| Document Number | 0000121801, |
|---|---|
| Date | Sep 8, 2026 |
| Instrument | 2026121801 |
| Name | COASTAL COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SARASOTA FL |
| Property Address | 644 40TH ST, SARASOTA, FL 34234-5202 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000000487 |
|---|---|
| Date | Jan 2, 2018 |
| Instrument | 2018000487 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SARASOTA FL |
| Property Address | 644 40TH ST, SARASOTA, FL 34234-5202 |
| Document Number | 0000095878 |
| Instrument Date | Jul 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 644 40TH ST SARASOTA FL 342345202, SARASOTA, FL 34234-5202 |
| Document Number | 0000095878 |
|---|---|
| Date | Jul 16, 2019 |
| Instrument | 95878 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 15, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SARASOTA FL |
| Recording Date | May 9, 2018 |
| Property Address | 644 40TH ST, SARASOTA, FL 34234-5202 |
| Document Number | 0000061261 |
| Instrument Date | May 9, 2018 |
| Instrument | 61261 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 644 40TH ST SARASOTA FL 342345202, SARASOTA, FL 34234-5202 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SARASOTA FL |
| Recording Date | Nov 7, 2017 |
| Property Address | 644 40TH ST, SARASOTA, FL 34234-5202 |
| Document Number | 0000137544 |
| Instrument Date | Nov 7, 2017 |
| Instrument | 137544 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 644 40TH ST SARASOTA FL 342345202, SARASOTA, FL 34234-5202 |
The 2025 property tax bill for 644 40th St was $3,445 with exemptions applied, up 5.6% from the year before.
Source: Sarasota County assessment roll, as of December 10, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Sarasota County |
| Municipality | Sarasota City |
| Unified School District | Sarasota County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,445.00 (+5.61%) Homeowner's exemption Disabled Person's exemption | $252,327 | $347,100 Land $211,800 Building $135,300 |
| 2024 | $3,262.00 (+3.82%) | ||
| 2023 | $3,142.00 (+1.55%) Homeowner's exemption Disabled Person's exemption | $238,074 (+3%) | $370,500 (+5.29%) Land $230,100 Building $140,400 |
| 2022 | $3,094.00 Homeowner's exemption Disabled Person's exemption | $231,140 | $351,900 Land $219,800 Building $132,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 644 40th St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Coastal | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 123 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 127 units insured incl. 4 condo units |
| Nearby Flood Claims | 93 (1980–2024) |
| Claims Outside the SFHA | 6 of 93 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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 644 40th St is low, with 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 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | SARASOTA-CITY OF serves 55,364 people · EPA ID FL6580326 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 332 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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