7102 86th St E, Palmetto, FL 34221 Property Records

Manatee County property record for 7102 86th St E, Palmetto, FL 34221

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,538 sqft · built 1997
Lot Size	0.269 acres (11,718 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Feb 2019)
Tax Bill	$2,510 (2024)
Deeds & Mortgages	Sep 2022 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`6490-2760-4`

Property Details

APN / Parcel Number

Primary APN	`6490-2760-4`
Alternative APNs	`331822649027604` `0649027604`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,538 sqft Living Area
Gross Area	2,112 sqft
1st Floor Area	1,538 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1999
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,718 sqft (0.269 acres)
View / Lot	Standard
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Pool Area	336 sqft
Porch	Screened Porch
Porch Area	133 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	0649027604
Street Address	7102 86TH ST E
City	PALMETTO
State	FL
Zip	34221-9211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-4.5 RE
Legal Description	LOT 52 REGENCY OAKS PHASE I PI#6490.2760/4
Legal Range	18E
Legal Township	33S
Legal Section	22
Legal Subdivision	REGENCY OAKS PHASE I
Legal Tract	00649000
Legal Lot Number	52
Jurisdiction	MANATEE FL
Township / Civil Division	PARRISH
Census Block Group	4
Census Block	4007
Census Tract	1916

Owner

7102 86th St E is owned and occupied by an individual who bought it in February 2019.

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

Owner of Record	Individual Name on File
Mailing Address	7102 86TH ST E, PALMETTO, FL 34221-9211
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

Date	Document
Sep 15, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage MERIDIAN HOME MORTGAGE CORP
Oct 31, 2018	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Feb 5, 2019	Warranty Deed, Transfer · Conventional with PMI UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2019 · Amount on File
Deed Sale	Feb 5, 2019 · Amount on File
Prior Sale	May 6, 2005 · Amount on File
Deed Document Number	201911131
Deed Book / Page	2767 / 732
Prior Transfer Date	Oct 26, 2010
Prior Transfer Doc	0023596537
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	7102 86TH ST E, PALMETTO, FL 34221-9211
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7102 86TH ST E, PALMETTO, FL 34221-9211

Mortgage

Document Number	0041116266
Date	Sep 15, 2022
Instrument	202241116266

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Aug 30, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	7102 86TH ST E, PALMETTO, FL 34221-9211
Transaction Type	Mortgage
Record Updated	Apr 27, 2021
Title Company	NOT AVAILABLE, RESEARCH TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7102 86TH ST E, PALMETTO, FL 34221-9211

Mortgage

Document Number	202141042863
Date	Apr 5, 2021
Instrument	202141042863

Lender

Name	MERIDIAN HOME MORTGAGE CORP
Type	Mortgage Company
Address	WESTMINSTER, MD 21157

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Apr 1, 2046

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	7102 86TH ST E, PALMETTO, FL 34221-9211
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027542244
Date	Oct 31, 2018
Book Page	2754/2244
Instrument	201841109702

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Feb 5, 2019
Property Address	7102 86TH ST E, PALMETTO, FL 34221-9211
Document Number	0027670732
Book / Page	002767 / 000732
Instrument Date	Jan 28, 2019
Instrument	41011131
Transaction Type	Transfer
Record Updated	Feb 18, 2019
Title Company	GOLD SERVICES TITLE INSURANCE AGENCY COMPANY, GOLD SVC TITLE INS AGCY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7102 86TH ST E PALMETTO FL 342219211, PALMETTO, FL 34221-9211

Mortgage

Document Number	27670733
Date	Feb 5, 2019
Book Page	002767/000733
Instrument	41011132

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Bank
Address	TAMPA, FL 33629

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 4, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$222,060 (+3.95%)	$268,302 (+2.46%) Land $35,700 Building $232,602
2025		$213,614	$261,859 Land $35,700 Building $226,159
2024	$2,510.00 (+1.78%)
2023	$2,466.00 (+3.09%) Homeowner's exemption	$201,548 (+3%)	$294,313 (+12.48%) Land $35,700 Building $258,613
2022	$2,392.00 Homeowner's exemption	$195,678	$261,665 Land $35,000 Building $226,665

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

Flood

FEMA maps place 7102 86th St E in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 276 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	276 in force

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 7102 86th St E is moderate, ranking above 68% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 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 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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