681 Emerald Harbor Dr, Longboat Key, FL 34228 Property Records

Manatee County property record for 681 Emerald Harbor Dr, Longboat Key, FL 34228

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,360 sqft · built 1961
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on File
Last Sale	$329,000 (Dec 1997)
Tax Bill	$9,369 (2025)
Flood Zone	Zone AE (high risk)
APN	`78794-0000-5`

Property Details

APN / Parcel Number

Primary APN	`78794-0000-5`
Alternative APN	`3516237879400005`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,360 sqft Living Area
Gross Area	3,300 sqft
1st Floor Area	2,360 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
View / Lot	Canal Front
Garage Type	Attached
Garage Area	820 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	264 sqft
Porch	Open Porch
Porch Area	120 sqft
Patio Area	608 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	681 EMERALD HARBOR DR
City	LONGBOAT KEY
State	FL
Zip	34228-1607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LBK_R-4SF
Legal Description	LOT 44 DREAM ISLAND PI#78794.0000/5
Legal Range	16E
Legal Township	35S
Legal Section	23
Legal Subdivision	DREAM ISLAND
Legal Tract	07876100
Legal Lot Number	44
Jurisdiction	MANATEE FL
Township / Civil Division	BRADENTON
Census Block Group	2
Census Block	2006
Census Tract	1705

Owner

681 Emerald Harbor Dr is owned and occupied by an individual who bought it in December 1997.

Source: Manatee County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	681 EMERALD HARBOR DR, LONGBOAT KEY, FL 34228-1607
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 1997 · Amount on File
Deed Sale	Dec 15, 1997 · Amount on File
Prior Sale	Jul 19, 1993 · Amount on File
Deed Book / Page	1538 / 1456
Prior Transfer Date	Dec 5, 1997
Prior Transfer Doc	1538001456
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 681 Emerald Harbor Dr was $9,369 with exemptions applied, down 11.7% from the year before.

Source: Manatee County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Manatee County
Municipality	Longboat Key Town
Unified School District	Manatee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$750,537 (+18.1%)	$1,385,951 (+118.09%) Land $616,250 Building $769,701
2025	$9,369.00 (-11.67%) Homeowner's exemption	$635,502 Land $616,250 Building $19,252	$635,502 Land $616,250 Building $19,252
2024	$10,607.00 (+0.74%)
2023	$10,529.00 (+1.93%) Homeowner's exemption	$689,523 (+3%)	$1,558,541 (+40.64%) Land $616,250 Building $942,291
2022	$10,330.00 Homeowner's exemption	$669,440	$1,108,207 Land $485,000 Building $623,207

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

Flood

FEMA maps place 681 Emerald Harbor Dr 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	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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	Hurricane Milton, Oct 2024 · 39 claims Hurricane Helene, Oct 2024 · 515 claims Hurricane Idalia, Aug 2023 · 32 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 681 Emerald Harbor Dr 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 124 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
AT&T Fixed Wireless	100 / 20