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645 Cedars Ct, Longboat Key, FL 34228 Property Records

Manatee County property record for 645 Cedars Ct, Longboat Key, FL 34228 · Last verified July 2026

Property Summary

Property TypeGym, Health Spa
Details7,440 sqft · built 1987
Lot Size3.63 acres (158,123 sqft)
OwnerCompany Name on File
Last Sale$1,050,000 (Mar 2012)
Tax Bill$13,493 (2025)
Deeds & MortgagesDec 2016 Line of Credit
Dec 2016 Line of Credit
Flood ZoneZone AE (high risk)
APN79273-0425-8

Property Details

APN / Parcel Number

Primary APN79273-0425-8
Alternative APN
  • 3516257927304258

Interior

Units5 Units
Stories1 Story
Building Area7,440 sqft Gross Area
1st Floor Area6,048 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 2005
Exterior MaterialWood
Roof TypeSawtooth
Roof MaterialComposition Shingle
Lot Area158,123 sqft (3.63 acres)
View / LotIsland
Pool Area2,250 sqft
Patio Area8,228 sqft
Canopy1,392 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address645 CEDARS CT
CityLONGBOAT KEY
StateFL
Zip34228-1847
Property CategoryCommercial
Property TypeCommercial > Retail > Gym, Health Spa
Legal DescriptionUNIT CU1 (COMMERCIAL UNIT) SEC ONE CEDARS EAST CONDO PI#79273.0425/8
Legal Range16E
Legal Township35S
Legal Section25
Legal SubdivisionCEDARS EAST SECTION 1
Legal Tract07927301
Legal Lot NumberCU1
Legal UnitCU1
JurisdictionMANATEE FL
Township / Civil DivisionBRADENTON
Census Block Group2
Census Block2006
Census Tract1705

Owner

Source: Manatee County records · APN 79273-0425-8

Assessment roll updated August 25, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address1626 RINGLING BLVD, 500, SARASOTA, FL 34236-6830
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Dec 28, 2016Deed of Trust, Mortgage · Line of Credit
SABAL PALM BK
Dec 28, 2016Deed of Trust, Mortgage · Line of Credit
SABAL PALM BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 06, 2012 · Amount on Record
Deed SaleMar 06, 2012 · Amount on Record
Prior SaleMay 16, 2008 · Amount on Record
Deed Document Number20123002830
Deed Book / Page2411 / 1704
Prior Transfer DateFeb 29, 2012
Prior Transfer Doc0024111704
Record UpdatedSep 20, 2026

December 2016: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMANATEE FL
Property Address645 CEDARS CT, LONGBOAT KEY, FL 34228-1847
Document Number0026546227
Instrument DateDec 28, 2016
Transaction TypeMortgage
Record UpdatedMar 07, 2017
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1626 RINGLING BLVD #500 SARASOTA FL 342366830, 500, SARASOTA, FL 34236-6830

Mortgage

Document Number0026546227
DateJan 03, 2017
Book Page002654/006227
Instrument41000086
Lender
NameSABAL PALM BK
TypeBank
Address5101 FRUITVILLE RD, SARASOTA, FL 34232-2213
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueJan 02, 2027
Interest
Rate TypeAdjustable Rate

December 2016: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMANATEE FL
Property Address645 CEDARS CT, LONGBOAT KEY, FL 34228-1847
Document Number0026546243
Instrument DateDec 28, 2016
Transaction TypeMortgage
Record UpdatedNov 16, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1626 RINGLING BLVD #500 SARASOTA FL 342366830, 500, SARASOTA, FL 34236-6830

Mortgage

Document Number0026546243
DateJan 03, 2017
Book Page002654/006243
Instrument41000091
Lender
NameSABAL PALM BK
TypeBank
AddressSARASOTA, FL 34232
Agreement
TypeLine of Credit
AmountAmount Recorded
Term24 Months
DueJan 02, 2019
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Manatee County records · Assessment roll updated August 25, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyManatee County
MunicipalityLongboat Key Town
Unified School DistrictManatee County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$13,493.00 (-2.93%)$909,481 (-12.2%) Land $296,208 Building $613,273$909,481 (-12.2%) Land $296,208 Building $613,273
2024$13,900.00 (-11.96%)
2023$15,788.00 (+7.8%)$1,035,859 (+7.64%) Land $296,208 Building $739,651$1,035,859 (+7.64%) Land $296,208 Building $739,651
2022$14,646.00$962,362 Land $290,400 Building $671,962$962,362 Land $290,400 Building $671,962

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Manatee County (12081C), updated September 2, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120810017052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
CoastalYes
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 554 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1,178 units insured
624 under condo master policies
Nearby Flood Claims621 (2016–2025)
Most Recent ClaimMar 2025, rainfall accumulation
Claims By Storm
  • Hurricane Milton, Oct 2024 · 39 claims
  • Hurricane Helene, Oct 2024 · 515 claims
  • Hurricane Idalia, Aug 2023 · 32 claims

Wildfire

Wildfire RiskLow
above 1% of the US · above 1% of Florida
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 194 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber7,000 / 7,000
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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