Manatee County property record for 704 48th St W, Palmetto, FL 34221
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,378 sqft · built 1986 |
| Lot Size | 0.185 acres (8,059 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Mar 2019) |
| Tax Bill | $3,021 (2025) |
| Deeds & Mortgages | Mar 2026 Second Mortgage Feb 2023 Line of Credit + 4 more |
| Flood Zone | Zone AE (high risk) |
| APN | 23618-0000-2 |
| Primary APN | 23618-0000-2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,378 sqft Living Area |
| Gross Area | 2,756 sqft |
| 1st Floor Area | 715 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,059 sqft (0.185 acres) |
| View / Lot | Standard |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 392 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 112 sqft |
| Deck Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 704 48TH ST W |
|---|---|
| City | PALMETTO |
| State | FL |
| Zip | 34221-8750 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-6 |
| Legal Description | LOTS 901,902 PALMETTO POINT SUB PI#23618.0000/2 |
| Legal Range | 17E |
| Legal Township | 34S |
| Legal Section | 02 |
| Legal Subdivision | PALMETTO POINT |
| Legal Tract | 02318000 |
| Legal Lot Number | 901 |
| Jurisdiction | MANATEE FL |
| Township / Civil Division | PALMETTO |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 1404 |
704 48th St W is owned and occupied by two individuals who bought it in March 2019.
Source: Manatee County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 704 48TH ST W, PALMETTO, FL 34221-8750 |
| 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.
| Date | Document |
|---|---|
| Mar 25, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GTE FCU |
| Feb 28, 2023 | Deed of Trust, Mortgage · Line of Credit NFTYDOOR LLC |
| Mar 3, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 26, 2020 | Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FIN'L SVCS INC |
| Mar 4, 2019 | Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| May 5, 2017 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2019 · Amount on File |
| Deed Sale | Mar 4, 2019 · Amount on File |
| Prior Sale | May 15, 2015 · Amount on File |
| Deed Document Number | 201919895 |
| Deed Book / Page | 2770 / 5642 |
| Prior Transfer Date | Sep 30, 1993 |
| Prior Transfer Doc | 1522002193 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 704 48TH ST W, PALMETTO, FL 34221-8750 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 704 48TH ST W, PALMETTO, FL 34221-8750 |
| Document Number | 0041033073 |
|---|---|
| Date | Mar 25, 2026 |
| Instrument | 202641033073 |
| Name | GTE FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33602 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 704 48TH ST W, PALMETTO, FL 34221-8750 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 704 48TH ST W, PALMETTO, FL 34221-8750 |
| Document Number | 0041020015 |
|---|---|
| Date | Feb 28, 2023 |
| Instrument | 202341020015 |
| Name | NFTYDOOR LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | MC LEAN, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 27, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 704 48TH ST W, PALMETTO, FL 34221-8750 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 704 48TH ST W, PALMETTO, FL 34221-8750 |
| Document Number | 202141027029 |
|---|---|
| Date | Mar 3, 2021 |
| Instrument | 202141027029 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 704 48TH ST W, PALMETTO, FL 34221-8750 |
| Document Number | 0041034829 |
| Instrument Date | Mar 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 704 48TH ST W PALMETTO FL 342218750, PALMETTO, FL 34221-8750 |
| Document Number | 0041034829 |
|---|---|
| Date | Apr 1, 2020 |
| Instrument | 41034829 |
| Name | HOMEBRIDGE FIN'L SVCS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 31, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANATEE FL |
| Recording Date | Mar 4, 2019 |
| Property Address | 704 48TH ST W, PALMETTO, FL 34221-8750 |
| Document Number | 0027705642 |
| Book / Page | 2770 / 5642 |
| Map Reference | MB 8 PG 124-127 |
| Instrument Date | Feb 28, 2018 |
| Instrument | 201941019895 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2021 |
| Title Company | SUNBELT TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,855.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 704 48TH ST W, PALMETTO, FL 34221-8750 |
| Document Number | 201941019896 |
|---|---|
| Date | Mar 4, 2019 |
| Instrument | 201941019896 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANATEE FL |
| Property Address | 704 48TH ST W, PALMETTO, FL 34221-8750 |
| Document Number | 0026736359 |
| Book / Page | 002673 / 006359 |
| Instrument Date | May 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 704 48TH ST W PALMETTO FL 342218750, PALMETTO, FL 34221-8750 |
| Document Number | 0026736359 |
|---|---|
| Date | May 11, 2017 |
| Book Page | 002673/006359 |
| Instrument | 41044953 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 10, 2032 |
The 2025 property tax bill for 704 48th St W was $3,021 with a homeowner's exemption, up 6.6% from the year before.
Source: Manatee County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Manatee County |
| Unified School District | Manatee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $245,030 (+2.7%) | $299,213 (-0.48%) Land $59,925 Building $239,288 | |
| 2025 | $3,021.00 (+6.56%) Homeowner's exemption | $238,588 | $300,657 Land $59,925 Building $240,732 |
| 2024 | $2,835.00 (+1.65%) | ||
| 2023 | $2,789.00 (+2.99%) Homeowner's exemption | $225,111 (+3%) | $332,661 (+21.75%) Land $59,925 Building $272,736 |
| 2022 | $2,708.00 Homeowner's exemption | $218,554 | $273,234 Land $42,000 Building $231,234 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 704 48th St W 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 | 9.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 344 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 344 in force |
| Nearby Flood Claims | 242 (1981–2025) |
| Claims Outside the SFHA | 5 of 242 |
| Most Recent Claim | May 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.
The area around 704 48th St W has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | MANATEE COUNTY UTILITIES DEPT serves 347,800 people · EPA ID FL6411132 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2022) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 474 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures