Manatee County property record for 684 el Centro, Longboat Key, FL 34228
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,097 sqft · built 1969 |
| Owner | 2 Individual Names on Record |
| Last Sale | $260,000 (Sep 2017) |
| Tax Bill | $3,545 (2024) |
| Deeds & Mortgages | Dec 2020 Mortgage Sep 2017 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 79228.0000-3 |
| Primary APN | 79228.0000-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,097 sqft Living Area |
| Gross Area | 1,677 sqft |
| 1st Floor Area | 1,097 sqft |
| Year Built | Built 1969 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 228 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 312 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 3516257922800003 |
|---|---|
| Street Address | 684 EL CENTRO |
| City | LONGBOAT KEY |
| State | FL |
| Zip | 34228-1616 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | LBK_R-3MX |
| Legal Description | UNIT 189 SPANISH MAIN YACHT CLUB CONDOMINIUM PI#79228.0000/3 |
| Legal Range | 16E |
| Legal Township | 35S |
| Legal Section | 25 |
| Legal Subdivision | SPANISH MAIN YACHT CLUB CONDO |
| Legal Tract | 7902200 |
| Legal Block | 1015 |
| Legal Unit | 189 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | BRADENTON |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 1705 |
Source: Manatee County records, as of November 26, 2025
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 | 684 EL CENTRO, LONGBOAT KEY, FL 34228-1616 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BK |
| Sep 29, 2017 | Warranty Deed, Transfer · Conventional Mortgage SUNBELT LNDG SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2017 · Amount on Record |
| Deed Sale | Sep 29, 2017 · Amount on Record |
| Prior Sale | May 19, 2015 · Amount on Record |
| Deed Document Number | 201741092174 |
| Deed Book / Page | 002694 / 003900 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 684 EL CENTRO, LONGBOAT KEY, FL 34228-1616 |
| Document Number | 0041139450 |
| Instrument Date | Dec 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 684 EL CENTRO LONGBOAT KEY FL 342281616, LONGBOAT KEY, FL 34228-1616 |
| Document Number | 0041139450 |
|---|---|
| Date | Dec 16, 2020 |
| Instrument | 41139450 |
| Name | TRUIST BK |
|---|---|
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 15, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Sep 29, 2017 |
| Property Address | 684 EL CENTRO, LONGBOAT KEY, FL 34228-1616 |
| Document Number | 0026943900 |
| Book / Page | 002694 / 003900 |
| Instrument Date | Sep 27, 2017 |
| Instrument | 41092174 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2017 |
| Title Company | KING ABSTRACT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,820.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10416 KINGS CT ROSCOE IL 610739316, ROSCOE, IL 61073-9316 |
| Document Number | 26943902 |
|---|---|
| Date | Sep 29, 2017 |
| Book Page | 002694/003902 |
| Instrument | 41092175 |
| Name | SUNBELT LNDG SVCS |
|---|---|
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 28, 2047 |
Source: Manatee County assessment roll, as of July 1, 2025
| 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 |
|---|---|---|---|
| 2025 | $120,785 (-50.1%) Building $120,785 | $120,785 (-67.33%) Building $120,785 | |
| 2024 | $3,545.00 (+1.08%) | ||
| 2023 | $3,507.00 (+2.19%) Homeowner's exemption | $242,045 (+3%) | $369,750 (+25.77%) Building $369,750 |
| 2022 | $3,432.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $234,995 | $294,000 Building $294,000 |
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 | None beyond ember reach |
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 192 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Frontier.
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