656 Tropical Cir, Sarasota, FL 34242 Property Records

Sarasota County property record for 656 Tropical Cir, Sarasota, FL 34242

Property Summary

Property Type	Residential Vacant Land
Details	3 bd · 2 ba · 1,636 sqft · built 1978
Lot Size	0.371 acres (16,180 sqft)
Owner	2 Individual Names on File
Last Sale	$3,825,000 (Oct 2026)
Tax Bill	$7,078 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Jul 2022 Sale
Flood Zone	Zone AE (high risk)
APN	`0081-08-0003`

Property Details

APN / Parcel Number

Primary APN	`0081-08-0003`
Alternative APN	`81080003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,636 sqft Living Area
Gross Area	2,166 sqft
1st Floor Area	1,636 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1993
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,180 sqft (0.371 acres)
Lot Dimensions	128 ft deep x 100 ft wide
View / Lot	Island
Garage Type	Attached
Garage Area	530 sqft

Exterior Amenities

Pool Area	322 sqft
Porch	Open Porch
Porch Area	260 sqft
Patio Area	1,188 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0081080003
Street Address	656 TROPICAL CIR
City	SARASOTA
State	FL
Zip	34242-1447
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	RSF2
Legal Description	LOTS 48 & 49 A/K/A/ PARCEL V, BLK 16, SIESTA BEACH TOGETHER WITH PART OF VACATED TROPICAL CIR AS DESC IN OR 1531/1942
Legal Range	17E
Legal Township	37S
Legal Section	12
Legal Subdivision	SIESTA BEACH
Legal Tract	396
Legal Block	16
Legal Lot Number	48,49
Jurisdiction	SARASOTA FL
Township / Civil Division	SARASOTA
Census Block Group	3
Census Block	3001
Census Tract	1904

Owner

656 Tropical Cir, residential vacant land, is owned by two individuals who bought it in October 2026.

Source: Sarasota County records, as of October 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	242 S WASHINGTON BLVD, SARASOTA, FL 34236-6943
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Warranty Deed, Transfer · Conventional Mortgage BOND STREET MORTGAGE
Jul 5, 2022	Personal Representative Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2026 · Amount on File
Deed Sale	Oct 2, 2026 · Amount on File
Prior Sale	Jul 5, 2022 · Amount on File
Deed Document Number	2026133993
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARASOTA FL
Recording Date	Oct 2, 2026
Property Address	656 TROPICAL CIR, SARASOTA, FL 34242-1447
Document Number	0000133993
Instrument Date	Sep 28, 2026
Instrument	2026133993
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,704,275.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	242 S WASHINGTON BLVD, SARASOTA, FL 34236-6943

Mortgage

Document Number	0000133994,
Date	Oct 2, 2026
Instrument	2026133994

Lender

Name	BOND STREET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2022: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	SARASOTA FL
Recording Date	Jul 5, 2022
Property Address	656 TROPICAL CIR, SARASOTA, FL 34242-1447
Document Number	0000112094
Map Reference	MB 1 PG 167
Instrument	2022112094
Transaction Type	Transfer
Record Updated	Feb 28, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$5,264.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 RAILROAD AVE, BERLIN, MD 21811-1338

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1330 MAIN ST # 6-2, 6, SARASOTA, FL 34236-5622

Tax Assessment & Valuation

The 2025 property tax bill for 656 Tropical Cir was $7,078, down 17.9% from the year before.

Source: Sarasota County assessment roll, as of December 10, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Sarasota County
Unified School District	Sarasota County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,078.00 (-17.92%)	$614,000 Land $614,000	$614,000 Land $614,000
2024	$8,623.00 (+13.25%)
2023	$7,614.00 (-4.35%)	$655,600 (-10.11%) Land $655,600	$655,600 (-10.11%) Land $655,600
2022	$7,960.00	$729,300 Land $721,500 Building $7,800	$729,300 Land $721,500 Building $7,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 656 Tropical Cir in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 3, 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 File median of 211 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	211 in force
Nearby Flood Claims	201 (1981–2025)
Claims Outside the SFHA	2 of 201
Most Recent Claim	Feb 2025 · river or lake flooding
Claims by Event	Hurricane Milton, Oct 2024 · 33 claims Hurricane Helene, Oct 2024 · 115 claims Severe Storms & Flooding, Jun 1992 · 17 claims

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

Wildfire risk around 656 Tropical Cir 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SARASOTA CO SPECIAL UTIL DIST serves 272,267 people · EPA ID FL6581591
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 359 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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