Manatee County property record for 651 Cedars Ct, Longboat Key, FL 34228
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,440 sqft · built 1988 |
| Lot Size | 6.97 acres (303,990 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $650,000 (Feb 2024) |
| Tax Bill | $2,928 (2025) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Feb 2023 Transfer + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 79273-0420-9 |
| Primary APN | 79273-0420-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,440 sqft Living Area |
| Gross Area | 2,268 sqft |
| 1st Floor Area | 900 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Townhouse |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 303,990 sqft |
| View / Lot | Street |
| Parking Spaces | 1 Parking Space |
| Porch | Screened Porch |
| Porch Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 651 CEDARS CT |
|---|---|
| City | LONGBOAT KEY |
| State | FL |
| Zip | 34228-1845 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | LBK_R-3MX |
| Legal Description | UNIT 26 SEC ONE CEDARS EAST CONDO PI#79273.0420/9 |
| Legal Range | 16E |
| Legal Township | 35S |
| Legal Section | 25 |
| Legal Subdivision | CEDARS EAST SECTION 1 |
| Legal Tract | 07927301 |
| Legal Lot Number | 26 |
| Legal Unit | 26 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | BRADENTON |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 1705 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 651 CEDARS CT, LONGBOAT KEY, FL 34228-1845 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Estate |
| Date | Document |
|---|---|
| Feb 6, 2024 | Warranty Deed, Transfer · Conventional Mortgage GENISYS CU |
| Feb 2, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Oct 29, 2021 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Mar 16, 2017 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 6, 2024 · Amount on Record |
| Deed Sale | Feb 6, 2024 · Amount on Record |
| Prior Sale | Oct 29, 2021 · Amount on Record |
| Deed Document Number | 202411371 |
| Prior Transfer Date | May 24, 2002 |
| Prior Transfer Doc | 1751003525 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Feb 6, 2024 |
| Property Address | 651 CEDARS CT, LONGBOAT KEY, FL 34228-1845 |
| Document Number | 0041011371 |
| Instrument Date | Feb 5, 2024 |
| Instrument | 202441011371 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,550.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5620 JAMES GUNNELL LN, ALEXANDRIA, VA 22310-1159 |
| Name | Verified Name |
|---|---|
| Address | 651 CEDARS CT, LONGBOAT KEY, FL 34228-1845 |
| Document Number | 0041011372 |
|---|---|
| Date | Feb 6, 2024 |
| Instrument | 202441011372 |
| Name | GENISYS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.07% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 4.87% |
| Max Rate At Change | 8.87% |
| Index | Other |
| Margin | 3 |
| Max Rate | 11.8% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Feb 2, 2023 |
| Property Address | 651 CEDARS CT, LONGBOAT KEY, FL 34228-1845 |
| Document Number | 0041010656 |
| Map Reference | MB 21 PG 186&187 |
| Instrument Date | Jan 27, 2023 |
| Instrument | 202341010656 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5620 JAMES GUNNELL LN, ALEXANDRIA, VA 22310-1159 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 5620 JAMES GUNNELL LN, ALEXANDRIA, VA 22310-1159 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Oct 29, 2021 |
| Property Address | 651 CEDARS CT, LONGBOAT KEY, FL 34228-1845 |
| Document Number | 0041144407 |
| Map Reference | MB 21 PG 186&187 |
| Instrument Date | Oct 22, 2021 |
| Instrument | 202141144407 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,010.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3563 SUMMIT RIDGE DR, ROCHESTER HILLS, MI 48306-2964 |
| Name | Verified Name |
|---|---|
| Address | 5620 JAMES GUNNELL LN, ALEXANDRIA, VA 22310-1159 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Mar 16, 2017 |
| Property Address | 651 CEDARS CT, LONGBOAT KEY, FL 34228-1845 |
| Document Number | 0026645215 |
| Book / Page | 002664 / 005215 |
| Instrument Date | Mar 10, 2017 |
| Instrument | 41023518 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,023.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 408 FOX HILLS DR S #3 BLOOMFIELD HILLS MI 483041346, 3, BLOOMFIELD HILLS, MI 48304-1346 |
| Document Number | 26645218 |
|---|---|
| Date | Mar 16, 2017 |
| Book Page | 002664/005218 |
| Instrument | 41023519 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 15, 2032 |
Source: Manatee County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Manatee County |
| Municipality | Longboat Key Town |
| Unified School District | Manatee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $326,261 (+57.57%) | $439,872 (+112.44%) Building $439,872 | |
| 2025 | $2,928.00 (-62.25%) | $207,060 (-59.74%) Building $207,060 | $207,060 (-59.74%) Building $207,060 |
| 2024 | $7,756.00 (+5.9%) | ||
| 2023 | $7,324.00 (+19.69%) | $514,250 (+39.93%) Building $514,250 | $514,250 (+39.93%) Building $514,250 |
| 2022 | $6,119.00 | $367,500 Building $367,500 | $367,500 Building $367,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 8.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 554 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1,178 units insured incl. 624 condo units |
| Nearby Flood Claims | 621 (2016–2025) |
| Most Recent Claim | Mar 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.
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 | 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 | TOWN OF LONGBOAT KEY serves 7,098 people · EPA ID FL6411098 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Apr 2024 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 11 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 194 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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